Worcester County and Gardner City property record for 43 Mill St, Gardner, MA 01440
| Property Type | Triplex |
|---|---|
| Details | 7 bd · 3 ba · 2,028 sqft · built 1900 |
| Lot Size | 0.184 acres (8,010 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $44,625 (Feb 2009) |
| Tax Bill | $7,264 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R17 B:22 L:1 |
| Primary APN | GARD M:R17 B:22 L:1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 15 Rooms |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 2,028 sqft Living Area |
| Gross Area | 3,546 sqft |
| Basement Area | 920 sqft |
| Unfinished Basement | 920 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,010 sqft (0.184 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 43 MILL ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3296 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | R1 |
| Legal Block | 22 |
| Legal Lot Number | 1 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 707100 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 304 UNION ST, GARDNER, MA 01440-3437 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 26, 2009 · Amount on Record |
| Deed Sale | Feb 26, 2009 · Amount on Record |
| Prior Sale | Jan 16, 2007 · Amount on Record |
| Deed Document Number | 200919128 |
| Deed Book / Page | 43855 / 370 |
| Transfer Doc | 40511-359 |
| Record Updated | Oct 29, 2026 |
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 | $7,264.00 (+11,25%) | $527,500 (+16.86%) Land $74,100 Building $453,400 |
| 2025 | $64.00 (-98.74%) | $451,400 (+32.73%) Land $67,300 Building $384,100 |
| 2024 | $5,098.00 (+7.62%) | $340,100 (+15.8%) Land $61,200 Building $278,900 |
| 2023 | $4,737.00 | $293,700 Land $60,300 Building $233,400 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 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.
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: 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 252 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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