474 Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 474 Main St, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property Type	Triplex
Details	9 bd · 3 ba · 4,374 sqft · built 1900
Lot Size	0.275 acres (11,979 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Dec 2021)
Tax Bill	$6,040 (2025)
Deeds & Mortgages	Feb 2025 Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:22 L:4`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:22 L:4`
Alternative APN	`M:Q-20 B:0046 L:0004`

Interior

Bedrooms	9 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Units	3 Units
Stories	3 Stories
Building Area	4,374 sqft Living Area
Gross Area	6,272 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Shingles
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	11,979 sqft (0.275 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	474 MAIN ST
City	GARDNER
State	MA
Zip	01440-3082
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Block	22
Legal Lot Number	4
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 · APN GARD M:R22 B:22 L:4

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	15 PHANEUF ST, MIDDLETON, MA 01949-2315
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2025	Deed of Trust, Mortgage · Commercial Mortgage LATITUDE CAPITAL LLC
Dec 14, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 14, 2021 · Amount on Record
Deed Sale	Dec 14, 2021 · Amount on Record
Prior Sale	Mar 04, 1999 · Amount on Record
Deed Book / Page	66743 / 260
Transfer Doc	2111000009
Record Updated	Jun 08, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	474 MAIN ST, GARDNER, MA 01440-3082
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071650-354
Date	Feb 18, 2025
Book Page	71650/354
Instrument	13026

Lender

Name	LATITUDE CAPITAL LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 14, 2021
Property Address	474 MAIN ST, GARDNER, MA 01440-3082
Document Number	066743-260
Book / Page	66743 / 260
Instrument Date	Dec 14, 2021
Instrument	174638
Transaction Type	Transfer
Record Updated	Dec 31, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Tenants by the Entirety
Address	50 BIRCKNELL AVE, METHUEN, MA 01844-5027

Mortgage

Document Number	0000174639
Date	Dec 14, 2021
Instrument	174639

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value
2025	$6,040.00 (+22.24%)	$420,600 (+27.61%) Land $69,700 Building $350,900
2024	$4,941.00 (+1.33%)	$329,600 (+9.03%) Land $63,400 Building $266,200
2023	$4,876.00	$302,300 Land $62,500 Building $239,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 248 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon, Gateway Fiber Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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