Worcester County and Gardner City property record for 43 Summer St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,597 sqft · built 1900 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $4,550 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:T-15 B:0039 L:0016 |
| Primary APN | M:T-15 B:0039 L:0016 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,597 sqft Living Area |
| Gross Area | 2,762 sqft |
| Basement Area | 915 sqft |
| Unfinished Basement | 915 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,800 sqft (0.11 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 43 SUMMER ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3329 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 24 |
| Legal Lot Number | 16 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 707100 |
43 Summer St is owner-occupied and held in a trust.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 43 SUMMER ST, GARDNER, MA 01440-3329 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
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 | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 43 Summer St was $4,550, up 10,481.4% 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 | $4,550.00 (+10,481.4%) | $330,400 (+7.97%) Land $71,800 Building $258,600 | $329,072 (+3.62%) |
| 2025 | $43.00 (-98.92%) | $306,000 (+15.17%) Land $65,300 Building $240,700 | $317,585 |
| 2024 | $3,983.00 (+2.63%) | $265,700 (+10.43%) Land $59,400 Building $206,300 | |
| 2023 | $3,881.00 | $240,600 Land $58,500 Building $182,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43 Summer St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 43 Summer 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 | None beyond ember reach |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures