Worcester County and Gardner City property record for 443 Whitney St, Gardner, MA 01440
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,380 sqft · built 1760 |
| Lot Size | 52.9 acres (2,308,567 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $5,876 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | GARD M:R07 B:12 L:1 |
| Primary APN | GARD M:R07 B:12 L:1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,380 sqft Living Area |
| Gross Area | 3,798 sqft |
| Basement Area | 990 sqft |
| Unfinished Basement | 990 sqft |
| Year Built | Built 1760 |
|---|---|
| Effective Year Built | Effective 1760 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,308,567 sqft (52.9 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 443 WHITNEY ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R2 |
| Legal Block | 12 |
| Legal Lot Number | 1 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 707100 |
443 Whitney St, a rural home, is held in a trust.
Source: Worcester County and Gardner City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | PO BOX 1001, GARDNER, MA 01440-6001 |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 443 Whitney St was $5,876, up 10,208.8% 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 | $5,876.00 (+10,208.77%) | $426,700 (+6.68%) Land $127,400 Building $299,300 | $387,412 (+14.42%) |
| 2025 | $57.00 (-98.98%) | $400,000 (+7.04%) Land $121,900 Building $278,100 | $338,580 |
| 2024 | $5,602.00 | $373,700 Land $115,100 Building $258,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 443 Whitney St in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 443 Whitney 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
5G and 4G LTE (outdoors only)
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