Worcester County and Gardner City property record for 4 Watkins St, Gardner, MA 01440
| Property Type | Charitable / Fraternal Organization |
|---|---|
| Details | 2 ba · 1,632 sqft · built 1900 |
| Lot Size | 0.18 acres (7,850 sqft) |
| Owner | Company Name on File |
| Tax Bill | $2,530 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:J-28 B:0003 L:0005 |
| Primary APN | M:J-28 B:0003 L:0005 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,632 sqft Total Area |
| Gross Area | 3,882 sqft |
| Basement Area | 1,632 sqft |
| Unfinished Basement | 1,632 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,850 sqft (0.18 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 4 WATKINS ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1849 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Charitable / Fraternal Organization |
| Local Zoning Code | R1 |
| Legal Block | 15 |
| Legal Lot Number | 16 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 707400 |
4 Watkins St, a commercial property, is owned by a company.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 332, GARDNER, MA 01440-0332 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 4 Watkins St was $2,530, up 9,630.8% 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 | $2,530.00 (+9,630.77%) | $183,700 (+0.55%) Land $53,500 Building $130,200 |
| 2025 | $26.00 (-99.02%) | $182,700 (+3.05%) Land $52,500 Building $130,200 |
| 2024 | $2,658.00 | $177,300 Land $50,000 Building $127,300 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 4 Watkins St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 4 Watkins St is low, with less than 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 94% of the US · lower than 88% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 380 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 |
5G (outdoors only) and 4G LTE
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