29 S Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 29 S Main St, Gardner, MA 01440

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 3,552 sqft · built 1895
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Mar 2022)
Tax Bill	$7,740 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:S-15 B:0051 L:0023`

Property Details

APN / Parcel Number

Primary APN	`M:S-15 B:0051 L:0023`
Alternative APN	`GARD M:R17 B:24 L:23`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	14 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,552 sqft Living Area
Gross Area	5,904 sqft
Basement Area	1,365 sqft
Unfinished Basement	1,365 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	17,424 sqft (0.4 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	29 S MAIN ST
City	GARDNER
State	MA
Zip	01440-3343
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	C2
Legal Block	24
Legal Lot Number	23
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2005
Census Tract	707100

Owner

29 S Main St, a triplex, is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	29 S MAIN ST, GARDNER, MA 01440-3343
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2022 · Amount on File
Deed Sale	Mar 30, 2022 · Amount on File
Prior Sale	Aug 30, 2016 · Amount on File
Deed Book / Page	67352 / 265
Prior Transfer Date	Mar 29, 2022
Prior Transfer Doc	067352-265
Record Updated	Oct 29, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 30, 2022
Property Address	29 S MAIN ST, GARDNER, MA 01440-3343
Document Number	067352-265
Book / Page	67352 / 265
Instrument Date	Mar 29, 2022
Instrument	35142
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 S MAIN ST, GARDNER, MA 01440-3343

Mortgage

Document Number	0000035143
Date	Mar 30, 2022
Instrument	35143

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 29 S Main St was $7,740, up 10,502.7% from the year before.

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	$7,740.00 (+10,502.74%)	$562,100 (+9.15%) Land $80,300 Building $481,800
2025	$73.00 (-98.77%)	$515,000 (+30.38%) Land $73,000 Building $442,000
2024	$5,921.00 (+2.53%)	$395,000 (+10.34%) Land $66,400 Building $328,600
2023	$5,775.00	$358,000 Land $65,500 Building $292,500

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

Flood

FEMA maps place 29 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 29 S Main 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Main St

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