401 Park St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 401 Park St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,141 sqft · built 1900
Lot Size	0.227 acres (9,891 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Dec 2017)
Tax Bill	$3,882 (2026)
Deeds & Mortgages	Jan 2023 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:N-31 B:0061 L:0018`

Property Details

APN / Parcel Number

Primary APN	`M:N-31 B:0061 L:0018`
Alternative APN	`GARD M:M32 B:24 L:18`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,141 sqft Living Area
Gross Area	3,089 sqft
Basement Area	934 sqft
Unfinished Basement	934 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,891 sqft (0.227 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	401 PARK ST
City	GARDNER
State	MA
Zip	01440-1627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	18
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1029
Census Tract	707400

Owner

401 Park St is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	401 PARK ST, GARDNER, MA 01440-1627
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jan 19, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) USA RURAL HOUSING
Dec 15, 2017	Quit Claim Deed, Transfer MERRIMACK MTG CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2017 · Amount on File
Deed Sale	Dec 15, 2017 · Amount on File
Prior Sale	Oct 11, 2002 · Amount on File
Deed Book / Page	58190 / 281
Transfer Doc	058190-281
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	401 PARK ST, GARDNER, MA 01440-1627
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00068742-8
Date	Jan 19, 2023
Book Page	68742/8
Instrument	5774

Lender

Name	USA RURAL HOUSING

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	301 Months
Due	Feb 1, 2048

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 15, 2017
Property Address	401 PARK ST, GARDNER, MA 01440-1627
Document Number	58190-281
Book / Page	58190 / 281
Instrument	140325
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29.45
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 PARK ST, GARDNER, MA 01440-1627

Mortgage

Document Number	581900284
Date	Dec 15, 2017
Instrument	58190/0284

Lender

Name	MERRIMACK MTG CO

Agreement

Amount	Amount on Record
Term	372 Months
Due	Dec 15, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 401 Park St was $3,882, up 10,391.9% 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	$3,882.00 (+10,391.89%)	$281,900 (+8.42%) Land $75,300 Building $206,600	$308,592 (+35.35%)
2025	$37.00 (-98.99%)	$260,000 (+6.47%) Land $68,400 Building $191,600	$228,000
2024	$3,661.00 (+2.89%)	$244,200 (+10.7%) Land $62,200 Building $182,000
2023	$3,558.00	$220,600 Land $61,300 Building $159,300

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

Flood

FEMA maps place 401 Park St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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 401 Park 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	Direct burnable vegetation

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 272 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Park St

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