Worcester County and Gardner City property record for 440 W Broadway, Gardner, MA 01440
| Property Type | Auto Repair, Garage |
|---|---|
| Details | 2 ba · 27,567 sqft · built 1986 |
| Lot Size | 1.95 acres (84,942 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $26,313 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M17 B:14 L:1 |
| Primary APN | GARD M:M17 B:14 L:1 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 27,567 sqft Total Area |
| Gross Area | 29,868 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 84,942 sqft (1.95 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 440 W BROADWAY |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Auto Repair, Garage |
| Local Zoning Code | C2 |
| Legal Block | 14 |
| Legal Lot Number | 1 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 707100 |
440 W Broadway, a commercial property, is held in a trust.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 442 W BROADWAY, GARDNER, MA 01440-3110 |
| 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 | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 440 W Broadway was $26,313, up 9,503.3% 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 |
|---|---|---|
| 2026 | $26,313.00 (+9,503.28%) | $1,910,900 (+0.1%) Land $148,400 Building $1,762,500 |
| 2025 | $274.00 (-98.74%) | $1,909,000 (+32.03%) Land $146,300 Building $1,762,700 |
| 2024 | $21,674.00 | $1,445,900 Land $141,000 Building $1,304,900 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 440 W Broadway 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 440 W Broadway 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: 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 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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