47 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 47 Ash St, Gardner, MA 01440

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 1,648 sqft · built 1900
Lot Size	0.242 acres (10,536 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Jan 2021)
Tax Bill	$5,664 (2026)
Deeds & Mortgages	Jun 2017 Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:N-25 B:0052 L:0013`

Property Details

APN / Parcel Number

Primary APN	`M:N-25 B:0052 L:0013`
Alternative APN	`GARD M:M27 B:24 L:13`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Units	3 Units
Stories	2 Stories
Building Area	1,648 sqft Living Area
Gross Area	3,586 sqft
Basement Area	1,157 sqft
Unfinished Basement	1,157 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	10,536 sqft (0.242 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	47 ASH ST
City	GARDNER
State	MA
Zip	01440-2151
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	13
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2001
Census Tract	707400

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	47 ASH ST, GARDNER, MA 01440-2151
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2017	Deed of Trust, Mortgage WELLS FARGO BANK NA
Jan 13, 2021	Quit Claim Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2021 · Amount on Record
Deed Sale	Jan 13, 2021 · Amount on Record
Prior Sale	Jan 28, 1999 · Amount on Record
Deed Document Number	20215659
Deed Book / Page	64221 / 261
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	47 ASH ST, GARDNER, MA 01440-2151
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57321-266
Date	Jun 27, 2017
Book Page	57321/266
Instrument	66712

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 13, 2021
Property Address	47 ASH ST, GARDNER, MA 01440-2151
Document Number	64221-261
Book / Page	64221 / 261
Instrument Date	Jan 13, 2021
Instrument	5659
Transaction Type	Transfer
Record Updated	May 12, 2021

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	47 ASH ST, GARDNER, MA 01440-2151

Mortgage

Document Number	5660
Date	Jan 13, 2021
Instrument	5660

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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
2026	$5,664.00 (+11,005.88%)	$411,300 (+13.9%) Land $75,800 Building $335,500
2025	$51.00 (-98.79%)	$361,100 (+28.1%) Land $68,800 Building $292,300
2024	$4,226.00 (+4.79%)	$281,900 (+12.76%) Land $62,600 Building $219,300
2023	$4,033.00	$250,000 Land $61,700 Building $188,300

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

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

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

May also be available: Verizon.

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