325 WEST ST GARDNER MA 014401951, GARDNER, MA 01440-1951
Mortgage
Document Number
61358-71
Date
Nov 4, 2019
Book Page
061358/000071
Instrument
117705
Lender
Name
AMERICAN FIN'L SVCS NTWK
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Term
360 Months
Due
Nov 3, 2049
December 2018: Quit Claim Deed, Transfer
Document Type
Quit Claim Deed
Jurisdiction
GARDNER MA
Recording Date
Dec 28, 2018
Property Address
325 WEST ST, GARDNER, MA 01440-1951
Document Number
59884-137
Book / Page
59884 / 137
Instrument Date
Dec 28, 2018
Instrument
137702
Transaction Type
Transfer
Record Updated
May 12, 2021
Transaction
Amount
Amount 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
1237 CENTRAL ST, LEOMINSTER, MA 01453-5969
Mortgage
Document Number
137703
Date
Dec 28, 2018
Instrument
137703
Lender
Name
RADIUS FINANCIAL GROUP
Agreement
Type
VA Mortgage
Amount
Amount on Record
Tax Assessment & Valuation
The 2026 property tax bill for 325 West St was $5,200, up 10,512.2% 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
Assessed Market Value
2026
$5,200.00 (+10,512.24%)
$377,600 (+8.69%)Land $78,700Building $298,900
$409,347
2025
$49.00 (-98.95%)
$347,400 (+11.99%)Land $71,500Building $275,900
2024
$4,650.00 (-0.51%)
$310,200 (+7.04%)Land $65,100Building $245,100
2023
$4,674.00
$289,800Land $64,200Building $225,600
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 325 West St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
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
Flood Insurance Requirement
Not required lenders may require it
Nearby Flood Policies
3 in force
Nearby Flood Claims
1 (2016)
Claims Outside the SFHA
1 of 1
Most Recent Claim
Feb 2016 · rainfall accumulation
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 325 West 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.
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 380 locations within half a mile, as of December 31, 2025