456 Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 456 Main St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,883 sqft · built 1900
Lot Size	0.275 acres (11,995 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (May 2023)
Tax Bill	$4,814 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:22 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:22 L:2`
Alternative APN	`M:Q-20 B:0043 L:0002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,883 sqft Living Area
Gross Area	4,748 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,995 sqft (0.275 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	456 MAIN ST
City	GARDNER
State	MA
Zip	01440-3019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	I1
Legal Block	22
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1013
Census Tract	707200

Owner

456 Main St is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	456 MAIN ST, GARDNER, MA 01440-3019
Occupancy	Owner Occupied
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
May 22, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE AFFINITY LLC
Mar 13, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2023 · Amount on File
Deed Sale	May 22, 2023 · Amount on File
Prior Sale	Mar 13, 2020 · Amount on File
Deed Book / Page	69159 / 39
Record Updated	Oct 29, 2026

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 22, 2023
Property Address	456 MAIN ST, GARDNER, MA 01440-3019
Document Number	0069159-39
Book / Page	69159 / 39
Instrument Date	May 22, 2023
Instrument	39174
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Relationship	Joint Tenants with Right of Survivorship
Address	456 MAIN ST, GARDNER, MA 01440-3019

Mortgage

Document Number	0000039175
Date	May 22, 2023
Instrument	39175

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 13, 2020
Property Address	456 MAIN ST, GARDNER, MA 01440-3019
Document Number	62044-23
Book / Page	062044 / 000023
Instrument Date	Mar 10, 2020
Instrument	26945
Transaction Type	Transfer
Record Updated	Mar 31, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$365.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	131 GRAHAM ST GARDNER MA 014403847, GARDNER, MA 01440-3847

Tax Assessment & Valuation

The 2026 property tax bill for 456 Main St was $4,814, up 3.8% 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	Assessed Market Value
2026	$4,814.00 (+3.79%)	$349,600 (+8.24%) Land $76,700 Building $272,900	$374,790 (+8.35%)
2025	$4,638.00 (+14.1%)	$323,000 (+19.1%) Land $69,700 Building $253,300	$345,895
2024	$4,065.00 (+48.09%)	$271,200 (+59.34%) Land $63,400 Building $207,800
2023	$2,745.00	$170,200 Land $62,500 Building $107,700

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

Flood

FEMA maps place 456 Main St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 456 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	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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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