35 Washington St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 35 Washington St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,100 sqft · built 1910
Lot Size	0.242 acres (10,521 sqft)
Owner	Individual Name on Record
Last Sale	$106,000 (Mar 2019)
Tax Bill	$4,652 (2026)
Deeds & Mortgages	Jul 2021 Refinance May 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:6 L:31`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:6 L:31`
Alternative APN	`M:P-23 B:0046 L:0031`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,100 sqft Living Area
Gross Area	3,779 sqft
Basement Area	980 sqft
Unfinished Basement	980 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,521 sqft (0.242 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	35 WASHINGTON ST
City	GARDNER
State	MA
Zip	01440-2731
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	6
Legal Lot Number	31
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1010
Census Tract	707200

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	Individual Name on Record
Mailing Address	35 WASHINGTON ST, GARDNER, MA 01440-2731
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
May 15, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance LAKEVIEW LOAN SERVICING LLC
Feb 1, 2019	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2019 · Amount on Record
Deed Sale	Mar 29, 2019 · Amount on Record
Prior Sale	Feb 1, 2019 · Amount on Record
Deed Book / Page	60216 / 7
Last Transfer Date	May 11, 2020
Transfer Doc	62398-369
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	35 WASHINGTON ST, GARDNER, MA 01440-2731
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065588-220
Date	Jul 12, 2021
Book Page	65588/220
Instrument	96395

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 15, 2020
Property Address	35 WASHINGTON ST, GARDNER, MA 01440-2731
Document Number	62398-369
Book / Page	62398 / 369
Instrument Date	May 11, 2020
Instrument	49411
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 WASHINGTON ST, GARDNER, MA 01440-2731

Mortgage

Document Number	62398-371
Date	May 15, 2020
Book Page	62398/371
Instrument	49412

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

February 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Feb 1, 2019
Property Address	35 WASHINGTON ST, GARDNER, MA 01440-2731
Document Number	60003-385
Book / Page	060003 / 000385
Instrument Date	Jan 16, 2019
Instrument	9991
Transaction Type	Foreclosure
Record Updated	Feb 19, 2019

Transaction

Amount	Amount Recorded
Tax	$375.68
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3900 CAPITOL CITY BLVD LANSING MI 489062147, LANSING, MI 48906-2147

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	Assessed Market Value
2026	$4,652.00 (+11,246.34%)	$337,800 (+17.86%) Land $75,700 Building $262,100	$368,953
2025	$41.00 (-99%)	$286,600 (+5.02%) Land $68,800 Building $217,800
2024	$4,091.00 (+3.15%)	$272,900 (+10.98%) Land $62,600 Building $210,300
2023	$3,966.00	$245,900 Land $61,700 Building $184,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 388 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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