Worcester County and Gardner City property record for 45 S Main St, Gardner, MA 01440
| Property Type | Triplex |
|---|---|
| Details | 5 bd · 3 ba · 3,612 sqft · built 1880 |
| Lot Size | 0.195 acres (8,499 sqft) |
| Owner | Individual Name on File |
| Last Sale | $56,799 (Aug 2013) |
| Tax Bill | $66 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:S-15 B:0049 L:0021 |
| Primary APN | M:S-15 B:0049 L:0021 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 15 Rooms |
| Units | 3 Units |
| Stories | 3 Stories |
| Building Area | 3,612 sqft Living Area |
| Gross Area | 5,190 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Other |
| Exterior Material | Brick |
| Roof Type | Mansard |
| Roof Material | Slate |
| Lot Area | 8,499 sqft (0.195 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 45 S MAIN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3461 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Subdivision | ROGER L TOUSIGNANT |
| Legal Block | 24 |
| Legal Lot Number | 21 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 707100 |
45 S Main St, a triplex, is owned by an individual who bought it in August 2013.
Source: Worcester County and Gardner City records, as of April 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 60 BROOKS VILLAGE RD, PHILLIPSTON, MA 01331-9402 |
| Owner Type | Individual |
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 | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2013 · Amount on File |
| Deed Sale | Aug 28, 2013 · Amount on File |
| Prior Sale | Aug 28, 2013 · Amount on File |
| Deed Book / Page | 51415 / 178 |
| Transfer Doc | 5141000178 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 45 S Main St was $66, down 98.8% 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 |
|---|---|---|
| 2025 | $66.00 (-98.77%) | $463,400 (+29.62%) Land $67,600 Building $395,800 |
| 2024 | $5,359.00 (+2.39%) | $357,500 (+10.17%) Land $61,500 Building $296,000 |
| 2023 | $5,234.00 | $324,500 Land $60,600 Building $263,900 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 45 S Main St 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 45 S Main 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 252 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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