307 Central St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 307 Central St, Gardner, MA 01440

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2 ba · 1,102 sqft · built 1900
Lot Size	0.044 acres (1,917 sqft)
Owner	Company Name on Record
Last Sale	$65,000 (Jun 2020)
Tax Bill	$1,588 (2026)
Deeds & Mortgages	Jun 2020 Transfer Jun 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M22 B:5 L:31`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M22 B:5 L:31`
Alternative APN	`M:O-24 B:0018 L:0031`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,102 sqft Total Area
Gross Area	1,216 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	High Rise
Exterior Material	Combination
Construction Type	Frame
Roof Type	Shed Roof
Roof Material	Other
Lot Area	1,917 sqft (0.044 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	307 CENTRAL ST
City	GARDNER
State	MA
Zip	01440-3839
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	C1
Legal Block	5
Legal Lot Number	31
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3000
Census Tract	707300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the West Gardner Square Historic District listed 1985 · 35 contributing resources · NRIS 85003185

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	208 LAWRENCE ST, GARDNER, MA 01440-2364
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 15, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 7, 2018	Quit Claim Deed, Transfer Quitclaim
Jun 28, 2017	Quit Claim Deed, Transfer · Commercial Mortgage MAIN STREET BANK (GA)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2020 · Amount on Record
Deed Sale	Jun 15, 2020 · Amount on Record
Prior Sale	Jun 28, 2017 · Amount on Record
Deed Book / Page	62598 / 326
Last Transfer Date	Jun 24, 2020
Transfer Doc	62661-37
Record Updated	Oct 29, 2026

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 25, 2020
Property Address	307 CENTRAL ST, GARDNER, MA 01440-3839
Document Number	62661-37
Book / Page	062661 / 000037
Instrument Date	Jun 24, 2020
Instrument	66839
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	208 LAWRENCE ST GARDNER MA 014402364, GARDNER, MA 01440-2364

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 15, 2020
Property Address	307 CENTRAL ST, GARDNER, MA 01440-3839
Document Number	62598-326
Book / Page	062598 / 000326
Instrument Date	Jun 15, 2020
Instrument	62703
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$296.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 LAWRENCE ST GARDNER MA 014402364, GARDNER, MA 01440-2364

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 7, 2018
Property Address	307 CENTRAL ST, GARDNER, MA 01440-3839
Document Number	59223-315
Book / Page	059223 / 000315
Instrument Date	Jul 22, 2018
Instrument	82126
Transaction Type	Transfer
Record Updated	Aug 28, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 CENTRAL ST GARDNER MA 014403839, GARDNER, MA 01440-3839

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 28, 2017
Property Address	307 CENTRAL ST, GARDNER, MA 01440-3839
Document Number	57329-305
Book / Page	57329 / 305
Instrument	67297
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18.51
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 CENTRAL ST, GARDNER, MA 01440-3839
Investor	Possibly a Property Investor

Mortgage

Document Number	573290309
Date	Jun 28, 2017
Instrument	57329/0309

Lender

Name	MAIN STREET BANK (GA)

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$1,588.00 (+9,825%)	$115,300 (+0.79%) Land $46,600 Building $68,700
2025	$16.00 (-99.04%)	$114,400 (+3.06%) Land $45,700 Building $68,700
2024	$1,664.00 (+1.34%)	$111,000 (+9.04%) Land $51,800 Building $59,200
2023	$1,642.00	$101,800 Land $42,600 Building $59,200

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 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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