45 Union St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 1,852 sqft · built 1900
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Jan 2021)
Tax Bill	$5,675 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jul 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:3 L:29`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:3 L:29`
Alternative APN	`M:S-14 B:0056 L:0026`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Units	3 Units
Stories	2 Stories
Building Area	1,852 sqft Living Area
Gross Area	3,550 sqft
Basement Area	816 sqft
Unfinished Basement	816 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	4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	45 UNION ST
City	GARDNER
State	MA
Zip	01440-3465
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R1
Legal Block	3
Legal Lot Number	29
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1000
Census Tract	707100

Owner

45 Union St, a triplex, is owned by an individual who bought it in January 2021.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	16 EVERGREEN RD, HUBBARDSTON, MA 01452-1135
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMDEN NATIONAL BANK
Jul 28, 2017	Quit Claim Deed, Transfer ATHOL SAVINGS BANK
Feb 21, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2021 · Amount on File
Deed Sale	Jan 21, 2021 · Amount on File
Prior Sale	Jul 28, 2017 · Amount on File
Deed Book / Page	64278 / 47
Prior Transfer Date	Jan 20, 2021
Prior Transfer Doc	64278-47
Record Updated	Oct 29, 2026

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 21, 2021
Property Address	45 UNION ST, GARDNER, MA 01440-3465
Document Number	64278-47
Book / Page	64278 / 47
Instrument Date	Jan 20, 2021
Instrument	9260
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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
Address	16 EVERGREEN RD, HUBBARDSTON, MA 01452-1135
Investor	Possibly a Property Investor

Mortgage

Document Number	9261
Date	Jan 21, 2021
Instrument	9261

Lender

Name	CAMDEN NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 28, 2017
Property Address	45 UNION ST, GARDNER, MA 01440-3465
Document Number	57494-51
Book / Page	57494 / 51
Instrument	81169
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23.96
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	45 UNION ST, GARDNER, MA 01440-3465

Mortgage

Document Number	574940055
Date	Jul 28, 2017
Instrument	57494/0055

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

February 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Feb 21, 2017
Property Address	45 UNION ST, GARDNER, MA 01440-3465
Document Number	56764-67
Book / Page	056764 / 000067
Instrument Date	Jan 18, 2017
Instrument	18296
Transaction Type	Foreclosure
Record Updated	Mar 15, 2017

Transaction

Amount	Amount on Record
Tax	$252.05
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1729 N BENNINGTON RD NORTH BENNINGTON VT 052579569, NORTH BENNINGTON, VT 05257-9569

Tax Assessment & Valuation

The 2026 property tax bill for 45 Union St was $5,675, up 11,25% from the year before.

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	$5,675.00 (+11,25%)	$412,100 (+17.37%) Land $71,800 Building $340,300
2025	$50.00 (-98.76%)	$351,100 (+30.81%) Land $65,300 Building $285,800
2024	$4,023.00 (+8.15%)	$268,400 (+16.39%) Land $59,400 Building $209,000
2023	$3,720.00	$230,600 Land $58,500 Building $172,100

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

Flood

FEMA maps place 45 Union St in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 45 Union 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.

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Union St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures