421 West St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 421 West St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,184 sqft · built 1954
Lot Size	0.213 acres (9,270 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Feb 2021)
Tax Bill	$4,722 (2026)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Aug 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:6 L:5`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:6 L:5`
Alternative APN	`M:K-28 B:0087 L:0005`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,184 sqft Living Area
Gross Area	2,348 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,270 sqft (0.213 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	421 WEST ST
City	GARDNER
State	MA
Zip	01440-1953
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	6
Legal Lot Number	5
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1036
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	421 WEST ST, GARDNER, MA 01440-1953
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROSS MORTGAGE COMPANY INC
Aug 18, 2017	Quit Claim Deed, Transfer
Jul 28, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2021 · Amount on Record
Deed Sale	Feb 9, 2021 · Amount on Record
Prior Sale	Aug 18, 2017 · Amount on Record
Deed Document Number	202118695
Deed Book / Page	64419 / 294
Prior Transfer Date	Jan 5, 2021
Prior Transfer Doc	64419-294
Record Updated	Oct 29, 2026

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 9, 2021
Property Address	421 WEST ST, GARDNER, MA 01440-1953
Document Number	64419-294
Book / Page	64419 / 294
Instrument Date	Jan 5, 2021
Instrument	18695
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	421 WEST ST, GARDNER, MA 01440-1953

Mortgage

Document Number	18696
Date	Feb 9, 2021
Instrument	18696

Lender

Name	ROSS MORTGAGE COMPANY INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 18, 2017
Property Address	421 WEST ST, GARDNER, MA 01440-1953
Document Number	57606-186
Book / Page	057606 / 000186
Instrument Date	Aug 4, 2017
Instrument	90718
Transaction Type	Transfer
Record Updated	Nov 18, 2017

Transaction

Amount	Amount Recorded
Tax	$478.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 WEST ST GARDNER MA 014401953, GARDNER, MA 01440-1953

July 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Jul 28, 2017
Property Address	421 WEST ST, GARDNER, MA 01440-1953
Document Number	57497-269
Book / Page	057497 / 000269
Instrument Date	Jun 28, 2017
Instrument	81466
Transaction Type	Foreclosure
Record Updated	Nov 18, 2017

Transaction

Amount	Amount Recorded
Tax	$470.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1600 S DOUGLASS RD ANAHEIM CA 928065948, ANAHEIM, CA 92806-5948

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	$4,722.00 (+9,946.81%)	$342,900 (+4.7%) Land $74,900 Building $268,000	$371,312 (+14.52%)
2025	$47.00 (-98.99%)	$327,500 (+5.65%) Land $68,100 Building $259,400	$324,235
2024	$4,647.00	$310,000 Land $61,900 Building $248,100

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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