40 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 40 Ash St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 712 sqft · built 1920
Lot Size	0.117 acres (5,093 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Oct 2022)
Tax Bill	$3,376 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:M-25 B:0004 L:0053`

Property Details

APN / Parcel Number

Primary APN	`M:M-25 B:0004 L:0053`
Alternative APN	`GARD M:M27 B:23 L:53`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	712 sqft Living Area
Gross Area	1,564 sqft
Basement Area	712 sqft
Unfinished Basement	712 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,093 sqft (0.117 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	40 ASH ST
City	GARDNER
State	MA
Zip	01440-2110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	LOUIS A LARSEN
Legal Block	23
Legal Lot Number	53
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2004
Census Tract	707400

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	40 ASH ST, GARDNER, MA 01440-2110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Sep 29, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2022 · Amount on Record
Deed Sale	Oct 31, 2022 · Amount on Record
Prior Sale	May 30, 2003 · Amount on Record
Deed Book / Page	68425 / 149
Prior Transfer Date	Oct 29, 2022
Prior Transfer Doc	068425-149
Record Updated	Oct 29, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 31, 2022
Property Address	40 ASH ST, GARDNER, MA 01440-2110
Document Number	068425-149
Book / Page	68425 / 149
Instrument Date	Oct 29, 2022
Instrument	117596
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 ASH ST, GARDNER, MA 01440-2110

Mortgage

Document Number	0000117597
Date	Oct 31, 2022
Instrument	117597

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 29, 2021
Property Address	40 ASH ST, GARDNER, MA 01440-2110
Document Number	66171-21
Book / Page	66171 / 21
Instrument Date	Sep 22, 2021
Instrument	136253
Transaction Type	Transfer
Record Updated	Oct 15, 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

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	$3,376.00 (+9,829.41%)	$245,200 (+2.72%) Land $72,200 Building $173,000	$263,795 (+2.81%)
2025	$34.00 (-98.98%)	$238,700 (+7.14%) Land $65,700 Building $173,000	$256,595
2024	$3,340.00 (+17.73%)	$222,800 (+26.66%) Land $59,700 Building $163,100
2023	$2,837.00	$175,900 Land $58,800 Building $117,100

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 519 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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