287 Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 287 Main St, Gardner, MA 01440

Property Summary

Property Type	Department Store (Apparel, Household Goods, Furniture)
Details	2 ba · 5,519 sqft · built 1900
Lot Size	0.213 acres (9,281 sqft)
Owner	Individual Name on Record
Tax Bill	$3,721 (2026)
Flood Zone	Zone X (minimal risk)
APN	`M:P-21 B:0076 L:0039`

Property Details

APN / Parcel Number

Primary APN	`M:P-21 B:0076 L:0039`
Alternative APN	`GARD M:M22 B:20 L:39`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	5,519 sqft Total Area
Gross Area	11,986 sqft
Basement Area	5,540 sqft
Unfinished Basement	5,540 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	9,281 sqft (0.213 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	287 MAIN ST
City	GARDNER
State	MA
Zip	01440-2901
Property Category	Commercial
Property Type	Commercial > Retail > Department Store (Apparel, Household Goods, Furniture)
Local Zoning Code	C2
Legal Block	20
Legal Lot Number	39
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3012
Census Tract	707300

Owner

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	287 MAIN ST, GARDNER, MA 01440-2901
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Gardner City
Unified School District	Gardner School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$3,721.00 (-3.5%)	$270,200 (+0.63%) Land $84,300 Building $185,900
2025	$3,856.00 (+7.14%)	$268,500 (+11.83%) Land $82,600 Building $185,900
2024	$3,599.00	$240,100 Land $78,700 Building $161,400

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 446 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20