45 Grant St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 45 Grant St, Gardner, MA 01440

Property Summary

Property Type	Apartments (5+ Units)
Details	6 bd · 2,805 sqft · built 1900
Lot Size	0.265 acres (11,526 sqft)
Owner	2 Company Names on Record
Last Sale	$154,387 (Sep 2014)
Tax Bill	$6,611 (2026)
Deeds & Mortgages	Oct 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:12 L:1`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:12 L:1`
Alternative APN	`M:Q-22 B:0025 L:0031`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	13 Rooms
Units	5 Units
Stories	3 Stories
Building Area	2,805 sqft Living Area
Gross Area	5,324 sqft
Basement Area	751 sqft
Unfinished Basement	751 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,526 sqft (0.265 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	45 GRANT ST
City	GARDNER
State	MA
Zip	01440-4148
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	R1
Legal Block	12
Legal Lot Number	1
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1004
Census Tract	707200

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 Company Names on Record
Mailing Address	9 LOVELL ST, WESTMINSTER, MA 01473-1449
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2014 · Amount on Record
Deed Sale	Sep 19, 2014 · Amount on Record
Deed Book / Page	52813 / 366
Last Transfer Date	Jul 9, 2025
Transfer Doc	0072259-86
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	45 GRANT ST, GARDNER, MA 01440-4148
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066302-38
Date	Oct 15, 2021
Book Page	66302/38
Instrument	145024

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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
2026	$6,611.00 (+9.22%)	$480,100 (+13.9%) Land $76,400 Building $403,700
2025	$6,053.00 (+12.99%)	$421,500 (+17.94%) Land $69,400 Building $352,100
2024	$5,357.00 (+0.49%)	$357,400 (+8.14%) Land $63,200 Building $294,200
2023	$5,331.00	$330,500 Land $62,300 Building $268,200

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	None beyond ember reach

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 388 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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