Worcester County and Gardner City property record for 287 Central St, Gardner, MA 01440
| Property Type | Office Building |
|---|---|
| Details | 2 ba · 4,666 sqft · built 1900 |
| Lot Size | 0.351 acres (15,311 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $3,323 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M27 B:25 L:5 |
| Primary APN | GARD M:M27 B:25 L:5 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Units | 7 Units |
| Stories | 3 Stories |
| Building Area | 4,666 sqft Total Area |
| Gross Area | 7,047 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | High Rise |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Flat |
| Roof Material | Other |
| Lot Area | 15,311 sqft (0.351 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 287 CENTRAL ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-8311 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Local Zoning Code | C1 |
| Legal Block | 25 |
| Legal Lot Number | 5 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 707300 |
287 Central St, a commercial property, is held in a trust.
Source: Worcester County and Gardner City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 287 CENTRAL ST, 1, GARDNER, MA 01440-8311 |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 287 Central St was $3,323, up 9,673.5% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $3,323.00 (+9,673.53%) | $241,300 (+0.58%) Land $74,100 Building $167,200 |
| 2025 | $34.00 (-99.08%) | $239,900 (-2.32%) Land $72,700 Building $167,200 |
| 2024 | $3,682.00 | $245,600 Land $69,300 Building $176,300 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 287 Central St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 287 Central St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GARDNER WATER DEPARTMENT serves 21,381 people · EPA ID MA2103000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Jan 2022 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 519 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Fiber | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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