Worcester County and Gardner City property record for 331 West St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 941 sqft · built 1954 |
| Lot Size | 0.06 acres (2,630 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Jul 2022) |
| Tax Bill | $35 (2025) |
| Deeds & Mortgages | Apr 2023 Refinance Jul 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:L-27 B:0098 L:0046 |
| Primary APN | M:L-27 B:0098 L:0046 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 941 sqft Living Area |
| Gross Area | 2,404 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,630 sqft (0.06 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 331 WEST ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1951 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 12 |
| Legal Lot Number | 46 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records · APN M:L-27 B:0098 L:0046
Assessment roll updated April 14, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 331 WEST ST, GARDNER, MA 01440-1951 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 05, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Jul 29, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC |
| Dec 17, 2021 | Quit Claim Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 29, 2022 · Amount on Record |
| Deed Sale | Jul 29, 2022 · Amount on Record |
| Prior Sale | Dec 17, 2021 · Amount on Record |
| Deed Book / Page | 67993 / 340 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 331 WEST ST, GARDNER, MA 01440-1951 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0068989-23 |
|---|---|
| Date | Apr 05, 2023 |
| Book Page | 68989/23 |
| Instrument | 26042 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 29, 2022 |
| Property Address | 331 WEST ST, GARDNER, MA 01440-1951 |
| Document Number | 067993-340 |
| Book / Page | 67993 / 340 |
| Instrument Date | Jul 29, 2022 |
| Instrument | 83763 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6 NORTH ST, LEOMINSTER, MA 01453-6814 |
| Document Number | 0000083764 |
|---|---|
| Date | Jul 29, 2022 |
| Instrument | 83764 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 17, 2021 |
| Property Address | 331 WEST ST, GARDNER, MA 01440-1951 |
| Document Number | 066776-152 |
| Book / Page | 66776 / 152 |
| Instrument Date | Nov 17, 2021 |
| Instrument | 176828 |
| Transaction Type | Transfer |
| Record Updated | Jan 07, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 105 BALDWINVILLE RD, WINCHENDON, MA 01475-2011 |
| Investor | Possibly a Property Investor |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $35.00 (-99.01%) | $250,000 (+5.71%) Land $62,000 Building $188,000 | $317,110 |
| 2024 | $3,545.00 (+9.11%) | $236,500 (+17.43%) Land $56,300 Building $180,200 | |
| 2023 | $3,249.00 | $201,400 Land $55,500 Building $145,900 |
Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Holdings Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 380 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARDNER WATER DEPARTMENT serves 21,381 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 3 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures