Worcester County and Gardner City property record for 402 Whitney St, Gardner, MA 01440
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 1 ba · 1,183 sqft · built 1925 |
| Lot Size | 25 acres (1,089,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,948 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | GARD M:R07 B:12 L:4 |
| Primary APN | GARD M:R07 B:12 L:4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,183 sqft Living Area |
| Gross Area | 2,736 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,089,000 sqft (25 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 402 WHITNEY ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R2 |
| Legal Block | 12 |
| Legal Lot Number | 4 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 707100 |
402 Whitney St, a rural home, is owned and occupied by two individuals.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 402 WHITNEY ST, GARDNER, MA 01440-3441 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 402 Whitney St was $3,948, up 10,289.5% 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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,948.00 (+10,289.47%) | $286,700 (+7.7%) Land $93,000 Building $193,700 | $305,429 (-10.19%) |
| 2025 | $38.00 (-98.94%) | $266,200 (+11.61%) Land $86,600 Building $179,600 | $340,100 |
| 2024 | $3,575.00 (-1.68%) | $238,500 (+5.81%) Land $79,600 Building $158,900 | |
| 2023 | $3,636.00 | $225,400 Land $78,800 Building $146,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 402 Whitney St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 risk around 402 Whitney 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.
Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: Spectrum.
5G and 4G LTE (outdoors only)
Search by:
By searching, you agree to: Terms • Privacy • Disclosures