449 West St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 449 West St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,862 sqft · built 1915
Lot Size	0.221 acres (9,610 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Jun 2021)
Tax Bill	$5,533 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Mar 2019 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:1 L:7`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:1 L:7`
Alternative APN	`M:K-29 B:0082 L:0007`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,862 sqft Living Area
Gross Area	3,506 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,610 sqft (0.221 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	449 WEST ST
City	GARDNER
State	MA
Zip	01440-1953
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	1
Legal Lot Number	7
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1036
Census Tract	707400

Owner

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	449 WEST ST, GARDNER, MA 01440-1953
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Mar 8, 2019	Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2021 · Amount on Record
Deed Sale	Jun 11, 2021 · Amount on Record
Prior Sale	Dec 15, 2020 · Amount on Record
Deed Book / Page	65370 / 374
Record Updated	Oct 29, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 11, 2021
Property Address	449 WEST ST, GARDNER, MA 01440-1953
Document Number	065370-374
Book / Page	65370 / 374
Instrument Date	Jun 11, 2021
Instrument	81420
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	449 WEST ST, GARDNER, MA 01440-1953

Mortgage

Document Number	0000081421
Date	Jun 11, 2021
Instrument	81421

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

March 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Mar 8, 2019
Property Address	449 WEST ST, GARDNER, MA 01440-1953
Document Number	60125-391
Book / Page	060125 / 000391
Instrument Date	Feb 25, 2019
Instrument	20482
Transaction Type	Foreclosure
Record Updated	Mar 27, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$560.88
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	800 W MADISON ST CHICAGO IL 606072630, CHICAGO, IL 60607-2630

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Gardner City
Unified School District	Gardner School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,533.00 (+10,339.62%)	$401,800 (+8.04%) Land $75,100 Building $326,700	$410,139 (-4.25%)
2025	$53.00 (-98.99%)	$371,900 (+6.62%) Land $68,300 Building $303,600	$428,355
2024	$5,229.00 (+2.95%)	$348,800 (+10.77%) Land $62,100 Building $286,700
2023	$5,079.00	$314,900 Land $61,200 Building $253,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Gateway Fiber Fiber	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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