Worcester County and Gardner City property record for 433 West St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,118 sqft · built 1945 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $172,500 (Apr 2003) |
| Tax Bill | $52 (2025) |
| Deeds & Mortgages | Oct 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M27 B:1 L:11 |
| Primary APN | GARD M:M27 B:1 L:11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,118 sqft Living Area |
| Gross Area | 3,812 sqft |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 52,272 sqft (1.2 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 433 WEST ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1953 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 11 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records · APN GARD M:M27 B:1 L:11
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 433 WEST ST, GARDNER, MA 01440-1953 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 25, 2003 · Amount on Record |
| Deed Sale | Apr 25, 2003 · Amount on Record |
| Deed Book / Page | 29803 / 282 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 433 WEST ST, GARDNER, MA 01440-1953 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63482-351 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 63482/351 |
| Instrument | 121319 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 01, 2030 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $52.00 (-99.04%) | $368,400 (+1.43%) Land $85,500 Building $282,900 | $384,560 |
| 2024 | $5,444.00 (+5.2%) | $363,200 (+13.22%) Land $77,900 Building $285,300 | |
| 2023 | $5,175.00 | $320,800 Land $76,800 Building $244,000 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277074001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 147 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 2,000 |
| Gateway Fiber Holdings | Fiber | 2,000 / 2,000 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE (outdoors only)
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