46 High St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 46 High St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,766 sqft · built 1830
Lot Size	0.35 acres (15,250 sqft)
Owner	Individual Name on File
Tax Bill	$4,917 (2026)
Deeds & Mortgages	Apr 2021 Refinance Apr 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:5 L:16`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:5 L:16`
Alternative APN	`M:T-13 B:0003 L:0016`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,766 sqft Living Area
Gross Area	3,576 sqft
Basement Area	992 sqft
Unfinished Basement	992 sqft

Exterior

Year Built	Built 1830
Effective Year Built	Effective 1830
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,250 sqft (0.35 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	46 HIGH ST
City	GARDNER
State	MA
Zip	01440-3514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	5
Legal Lot Number	16
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2035
Census Tract	707100

Owner

46 High St is owned by an individual who acquired it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	29 DOUGLAS WAY, NANTUCKET, MA 02554-6207
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
Apr 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DOUGLAS R DELAY
Apr 30, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance DOUGLAS R DELAY
Apr 30, 2021	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 23, 2021
Transfer Doc	065059-381
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	46 HIGH ST, GARDNER, MA 01440-3514
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00065060-1
Date	Apr 30, 2021
Book Page	65060/1
Instrument	59794

Lender

Name	DOUGLAS R DELAY

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 30, 2021
Property Address	46 HIGH ST, GARDNER, MA 01440-3514
Document Number	065059-381
Book / Page	65059 / 381
Instrument Date	Apr 23, 2021
Instrument	59793
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 DOUGLAS WAY, NANTUCKET, MA 02554-6207

Mortgage

Document Number	0000059794
Date	Apr 30, 2021
Instrument	59794

Lender

Name	DOUGLAS R DELAY

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2021: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 30, 2021
Property Address	46 HIGH ST, GARDNER, MA 01440-3514
Document Number	65059-377
Book / Page	65059 / 377
Instrument Date	Apr 2, 2021
Instrument	59792
Transaction Type	Transfer
Record Updated	May 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 MAIN ST, WINCHENDON, MA 01475-1071

Tax Assessment & Valuation

The 2026 property tax bill for 46 High St was $4,917, up 10,361.7% 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	$4,917.00 (+10,361.7%)	$357,100 (+8.15%) Land $78,900 Building $278,200	$357,579 (-15.26%)
2025	$47.00 (-99%)	$330,200 (+5.13%) Land $71,700 Building $258,500	$421,990
2024	$4,708.00 (+2.46%)	$314,100 (+10.25%) Land $65,200 Building $248,900
2023	$4,595.00	$284,900 Land $64,300 Building $220,600

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

Flood

FEMA maps place 46 High 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

Wildfire risk around 46 High 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

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 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on High St

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