38 S Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 38 S Main St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 1,967 sqft · built 1900
Lot Size	0.08 acres (3,485 sqft)
Owner	Trust Name on File
Last Sale	$155,000 (Dec 2005)
Tax Bill	$4,192 (2026)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:S-15 B:0001 L:0013`

Property Details

APN / Parcel Number

Primary APN	`M:S-15 B:0001 L:0013`
Alternative APN	`GARD M:R17 B:24 L:13`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,967 sqft Living Area
Gross Area	3,230 sqft
Basement Area	955 sqft
Unfinished Basement	955 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,485 sqft (0.08 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	38 S MAIN ST
City	GARDNER
State	MA
Zip	01440-3344
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	13
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2042
Census Tract	707100

Owner

38 S Main St, a duplex, is held in a trust since December 2005.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Trust Name on File
Mailing Address	PO BOX 1197, GARDNER, MA 01440-6197
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2005 · Amount on File
Deed Sale	Dec 30, 2005 · Amount on File
Prior Sale	Oct 27, 1993 · Amount on File
Deed Document Number	2005223364
Deed Book / Page	38138 / 70
Transfer Doc	35563-22
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	38 S MAIN ST, GARDNER, MA 01440-3344
Document Number	58385-168
Book / Page	058385 / 000168
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Feb 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

Mortgage

Document Number	58385-168
Date	Jan 31, 2018
Book Page	058385/000168
Instrument	10108

Lender

Name	ST MARY'S CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 38 S Main St was $4,192, up 11,544.4% 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	$4,192.00 (+11,544.44%)	$304,400 (+20.79%) Land $69,600 Building $234,800	$351,457
2025	$36.00 (-99.01%)	$252,000 (+4%) Land $63,300 Building $188,700
2024	$3,632.00	$242,300 Land $57,500 Building $184,800

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

Flood

FEMA maps place 38 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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 38 S 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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