309 Central St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 309 Central St, Gardner, MA 01440

Property Summary

Property Type	Apartments (5+ Units)
Details	12 bd · 2 ba · 10,533 sqft · built 1906
Lot Size	0.09 acres (3,906 sqft)
Owner	Company Name on Record
Last Sale	$2,240,000 (Sep 2025)
Tax Bill	$7,104 (2025)
Deeds & Mortgages	Jan 2023 Refinance Oct 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M22 B:5 L:30`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M22 B:5 L:30`
Alternative APN	`M:O-24 B:0017 L:0030`

Interior

Bedrooms	12 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	10,533 sqft Living Area
Gross Area	14,044 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	High Rise
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Other
Lot Area	3,906 sqft (0.09 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	309 CENTRAL ST
City	GARDNER
State	MA
Zip	01440-3979
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Block	5
Legal Lot Number	30
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
Individually Listed	Gardner News Building listed 1979 · 1 contributing resources · NRIS 79000373

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 April 14, 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	5 MARRETT RD, BURLINGTON, MA 01803-4006
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance MAIN STREET BANK (MA)
Oct 24, 2025	Deed of Trust, Mortgage WEBSTER FIRST FCU
Sep 8, 2025	Quit Claim Deed, Transfer ABL RESIDENTIAL CREDIT ACQUISITIONS
Nov 30, 2021	Quit Claim Deed, Transfer · Commercial Mortgage AVIDIA BANK
May 23, 2017	Trustee's Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2025 · Amount on Record
Deed Sale	Sep 8, 2025 · Amount on Record
Prior Sale	Nov 30, 2021 · Amount on Record
Deed Book / Page	72500 / 170
Prior Transfer Date	Sep 5, 2025
Prior Transfer Doc	072500-170
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	309 CENTRAL ST, GARDNER, MA 01440-3979
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	068686-131
Date	Jan 5, 2023
Book Page	68686/131

Lender

Name	MAIN STREET BANK (MA)

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	309 CENTRAL ST, GARDNER, MA 01440-3979
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072723-221
Date	Oct 24, 2025
Book Page	72723/221
Instrument	92207

Lender

Name	WEBSTER FIRST FCU

Agreement

Amount	Amount Recorded

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 8, 2025
Property Address	309 CENTRAL ST, GARDNER, MA 01440-3979
Document Number	072500-170
Book / Page	72500 / 170
Instrument Date	Sep 5, 2025
Instrument	76097
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
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	5 MARRETT RD, BURLINGTON, MA 01803-4006

Mortgage

Document Number	0000076099
Date	Sep 8, 2025
Instrument	76099

Lender

Name	ABL RESIDENTIAL CREDIT ACQUISITIONS

Agreement

Amount	Amount Recorded
Term	13 Months
Due	Oct 1, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 30, 2021
Property Address	309 CENTRAL ST, GARDNER, MA 01440-3979
Document Number	0066644-74
Book / Page	66644 / 74
Instrument Date	Nov 30, 2021
Instrument	167372
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 CHERRY ST, HUDSON, MA 01749-2977
Investor	Possibly a Property Investor

Mortgage

Document Number	0000167373
Date	Nov 30, 2021
Instrument	167373

Lender

Name	AVIDIA BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2017: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	GARDNER MA
Recording Date	May 23, 2017
Property Address	309 CENTRAL ST, GARDNER, MA 01440-3839
Document Number	57156-88
Book / Page	057156 / 000088
Instrument Date	May 16, 2017
Instrument	52459
Transaction Type	Transfer
Record Updated	Jun 13, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 WILLIS RD GARDNER MA 014402449, GARDNER, MA 01440-2449

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
2025	$7,104.00 (+30.49%)	$494,700 (+36.21%) Land $46,700 Building $448,000
2024	$5,444.00 (+11.24%)	$363,200 (+19.71%) Land $54,500 Building $308,700
2023	$4,894.00	$303,400 Land $44,400 Building $259,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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