462 Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 462 Main St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,650 sqft · built 1850
Lot Size	0.275 acres (11,979 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Sep 2022)
Tax Bill	$6,191 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Nov 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:22 L:3`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:22 L:3`
Alternative APN	`M:Q-20 B:0044 L:0003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,650 sqft Living Area
Gross Area	3,796 sqft
Basement Area	868 sqft
Unfinished Basement	868 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,979 sqft (0.275 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	462 MAIN ST
City	GARDNER
State	MA
Zip	01440-3083
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	I1
Legal Block	22
Legal Lot Number	3
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1013
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	Individual Name on Record
Mailing Address	462 MAIN ST, GARDNER, MA 01440-3083
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Nov 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIDELITY COOPERATIVE BANK
Sep 26, 2019	Deed of Trust, Mortgage · Balloon Mortgage FIDELITY COOPERATIVE BANK
Jul 26, 2018	Quit Claim Deed, Transfer FIDELITY COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2022 · Amount on Record
Deed Sale	Sep 15, 2022 · Amount on Record
Prior Sale	Jul 26, 2018 · Amount on Record
Deed Book / Page	68216 / 307
Record Updated	Oct 29, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 15, 2022
Property Address	462 MAIN ST, GARDNER, MA 01440-3083
Document Number	068216-307
Book / Page	68216 / 307
Instrument Date	Sep 15, 2022
Instrument	101306
Transaction Type	Transfer
Record Updated	Sep 30, 2022

Transaction

Amount	Amount Recorded
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	462 MAIN ST, GARDNER, MA 01440-3083

Mortgage

Document Number	0000101307
Date	Sep 15, 2022
Instrument	101307

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	462 MAIN ST, GARDNER, MA 01440-3083
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63645-44
Date	Nov 2, 2020
Book Page	63645/44
Instrument	132053

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	462 MAIN ST, GARDNER, MA 01440-3083
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61117-32
Date	Sep 26, 2019
Book Page	61117/32
Instrument	99738

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2039

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 26, 2018
Property Address	462 MAIN ST, GARDNER, MA 01440-3083
Document Number	59158-71
Book / Page	59158 / 71
Instrument	76672
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28.48
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 MAIN ST, GARDNER, MA 01440-3083

Mortgage

Document Number	591580073
Date	Jul 26, 2018
Instrument	59158/0073

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2048

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	Assessed Market Value
2026	$6,191.00 (+9.02%)	$449,600 (+13.68%) Land $76,700 Building $372,900	$441,748
2025	$5,679.00 (+3.74%)	$395,500 (+8.3%) Land $69,700 Building $325,800
2024	$5,474.00 (+52.06%)	$365,200 (+63.62%) Land $63,400 Building $301,800
2023	$3,600.00	$223,200 Land $62,500 Building $160,700

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

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 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

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