Worcester County and Gardner City property record for 385 Main St, Gardner, MA 01440
| Property Type | Triplex |
|---|---|
| Details | 9 bd · 3 ba · 3,699 sqft · built 1900 |
| Lot Size | 0.157 acres (6,845 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,250,000 (Jun 2024) |
| Tax Bill | $6,226 (2025) |
| Deeds & Mortgages | Aug 2026 Transfer Dec 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R22 B:21 L:4 |
| Primary APN | GARD M:R22 B:21 L:4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 9 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 14 Rooms |
| Units | 3 Units |
| Stories | 3 Stories |
| Building Area | 3,699 sqft Living Area |
| Gross Area | 6,056 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,845 sqft (0.157 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 385 MAIN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3084 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Block | 21 |
| Legal Lot Number | 4 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 707200 |
Source: Worcester County and Gardner City records, as of September 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 4 HAVEN DR, ANDOVER, MA 01810-5708 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Aug 28, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Dec 27, 2024 | Deed of Trust, Mortgage · Commercial Mortgage CAPITAL MART LLC |
| Dec 21, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORTHEAST HOME LOAN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2024 · Amount on Record |
| Deed Sale | Jun 13, 2024 · Amount on Record |
| Prior Sale | Dec 21, 2023 · Amount on Record |
| Deed Document Number | 202444974 |
| Deed Book / Page | 70628 / 304 |
| Last Transfer Date | Aug 27, 2026 |
| Transfer Doc | 0000075251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Aug 28, 2026 |
| Property Address | 385 MAIN ST, GARDNER, MA 01440-3084 |
| Document Number | 0000075251 |
| Book / Page | 74095 / 369 |
| Instrument Date | Aug 27, 2026 |
| Instrument | 202675251 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 HAVEN DR, ANDOVER, MA 01810-5708 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 385 MAIN ST, GARDNER, MA 01440-3084 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0071473-31 |
|---|---|
| Date | Dec 27, 2024 |
| Book Page | 71473/31 |
| Instrument | 108416 |
| Name | CAPITAL MART LLC |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 21, 2023 |
| Property Address | 385 MAIN ST, GARDNER, MA 01440-3084 |
| Document Number | 070024-245 |
| Book / Page | 70024 / 245 |
| Instrument Date | Dec 21, 2023 |
| Instrument | 106987 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 75 RUSSELL FARM RD, WINCHENDON, MA 01475-4014 |
| Document Number | 0000106988 |
|---|---|
| Date | Dec 21, 2023 |
| Instrument | 106988 |
| Name | NORTHEAST HOME LOAN |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 |
|---|---|---|
| 2025 | $6,226.00 (+23.88%) | $433,600 (+29.32%) Land $66,700 Building $366,900 |
| 2024 | $5,026.00 (+1.64%) | $335,300 (+9.36%) Land $60,600 Building $274,700 |
| 2023 | $4,945.00 | $306,600 Land $59,700 Building $246,900 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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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