Worcester County and Gardner City property record for 354 Main St, Gardner, MA 01440
| Property Type | Office Building |
|---|---|
| Details | 6 ba · 12,864 sqft · built 2011 |
| Lot Size | 1.13 acres (49,223 sqft) |
| Owner | Company Name on File |
| Last Sale | $3,700,000 (Dec 2025) |
| Tax Bill | $36,887 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Dec 2025 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R22 B:16 L:9 |
| Primary APN | GARD M:R22 B:16 L:9 |
|---|---|
| Alternative APN |
|
| Full Baths | 6 Baths |
|---|---|
| Units | 7 Units |
| Stories | 1 Story |
| Building Area | 12,864 sqft Total Area |
| Gross Area | 26,748 sqft |
| Basement Area | 12,864 sqft |
| Unfinished Basement | 12,864 sqft |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 49,223 sqft (1.13 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Street Address | 354 MAIN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3055 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Local Zoning Code | I1 |
| Legal Block | 16 |
| Legal Lot Number | 9 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 707300 |
354 Main St, a commercial property, is owned by a company that bought it in December 2025.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 259 TURNPIKE RD, 100, SOUTHBOROUGH, MA 01772-1706 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 5, 2026 | Deed of Trust BANK OF JAMESTOWN |
| Dec 31, 2025 | Quit Claim Deed, Transfer |
| Apr 12, 2018 | Quit Claim Deed, Transfer ATHOL SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 31, 2025 · Amount on File |
| Deed Sale | Dec 31, 2025 · Amount on File |
| Prior Sale | Apr 12, 2018 · Amount on File |
| Deed Document Number | 2025114204 |
| Deed Book / Page | 73037 / 237 |
| Prior Transfer Date | Dec 30, 2025 |
| Prior Transfer Doc | 073037-237 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 5, 2026 |
| Property Address | 354 MAIN ST, GARDNER, MA 01440-3055 |
| Document Number | 073681-370 |
| Book / Page | 73681 / 370 |
| Instrument Date | Jun 5, 2026 |
| Instrument | 202645514 |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000045514, |
|---|---|
| Date | Jun 5, 2026 |
| Book Page | 73681/370 |
| Instrument | 202645514 |
| Name | BANK OF JAMESTOWN |
|---|
| Amount | Amount on Record |
|---|
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 31, 2025 |
| Property Address | 354 MAIN ST, GARDNER, MA 01440-3055 |
| Document Number | 073037-237 |
| Book / Page | 73037 / 237 |
| Instrument Date | Dec 30, 2025 |
| Instrument | 114204 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 259 TURNPIKE RD # 100, 100, SOUTHBOROUGH, MA 01772-1706 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 12, 2018 |
| Property Address | 354 MAIN ST, GARDNER, MA 01440-3055 |
| Document Number | 58657-69 |
| Book / Page | 58657 / 69 |
| Instrument | 34086 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $219.38 |
| Amount Accuracy | Non-Arm's Length Transaction |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 354 MAIN ST, GARDNER, MA 01440-3055 |
| Document Number | 586570076 |
|---|---|
| Date | Apr 12, 2018 |
| Instrument | 58657/0076 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 354 Main St was $36,887, down 6% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $36,887.00 (-6.03%) | $2,678,800 (-2.01%) Land $173,800 Building $2,505,000 |
| 2025 | $39,256.00 (+7.47%) | $2,733,700 (+12.19%) Land $170,600 Building $2,563,100 |
| 2024 | $36,526.00 (-5.61%) | $2,436,700 (+1.57%) Land $162,700 Building $2,274,000 |
| 2023 | $38,696.00 | $2,399,000 Land $102,600 Building $2,296,400 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 354 Main St in Zone X, an area of minimal flood risk.
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 risk around 354 Main 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 446 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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