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475 Pleasant St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 475 Pleasant St, Gardner, MA 01440

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 955 sqft · built 1900
Lot Size0.404 acres (17,620 sqft)
Owner2 Individual Names on Record
Last Sale$323,000 (Oct 2025)
Tax Bill$3,726 (2026)
Deeds & MortgagesJul 2023 Refinance
Oct 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNM:O-20 B:0060 L:0037

Property Details

APN / Parcel Number

Primary APNM:O-20 B:0060 L:0037
Alternative APN
  • GARD M:M22 B:25 L:37

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories2 Stories
Building Area955 sqft Living Area
Gross Area1,660 sqft
Basement Area504 sqft
Unfinished Basement504 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area17,620 sqft (0.404 acres)

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil

Location & Zoning

Street Address475 PLEASANT ST
CityGARDNER
StateMA
Zip01440-2932
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal Block25
Legal Lot Number37
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group1
Census Block1006
Census Tract707300

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 Record2 Individual Names on Record
Mailing Address475 PLEASANT ST, GARDNER, MA 01440-2932
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Jul 11, 2023Deed of Trust, Mortgage · Stand-Alone Refinance
GFA FEDERAL CREDIT UNION
Oct 9, 2025Quit Claim Deed, Transfer · Conventional Mortgage
DIGITAL FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 9, 2025 · Amount on Record
Deed SaleOct 9, 2025 · Amount on Record
Prior SaleSep 1, 2010 · Amount on Record
Deed Document Number202587441
Deed Book / Page72655 / 351
Record UpdatedOct 29, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Property Address475 PLEASANT ST, GARDNER, MA 01440-2932
Transaction TypeMortgage
Record UpdatedMar 31, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number069367-380
DateJul 11, 2023
Book Page69367/380
Instrument55102
Lender
NameGFA FEDERAL CREDIT UNION
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term241 Months
DueAug 1, 2043

October 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateOct 9, 2025
Property Address475 PLEASANT ST, GARDNER, MA 01440-2932
Document Number072655-351
Book / Page72655 / 351
Instrument DateOct 9, 2025
Instrument87441
Transaction TypeTransfer
Record UpdatedJan 26, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address475 PLEASANT ST, GARDNER, MA 01440-2932

Mortgage

Document Number0000087442
DateOct 9, 2025
Instrument87442
Lender
NameDIGITAL FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2055

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,726.00 (+3.88%)$270,600 (+8.33%) Land $80,500 Building $190,100$299,001 (+35.6%)
2025$3,587.00 (+3.73%)$249,800 (+8.28%) Land $73,100 Building $176,700$220,495
2024$3,458.00 (+2.1%)$230,700 (+9.86%) Land $66,500 Building $164,200
2023$3,387.00$210,000 Land $65,600 Building $144,400

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemGARDNER WATER DEPARTMENT
serves 21,381 people · EPA ID MA2103000
Water SourceSurface water
Last State InspectionOct 2024
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 446 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Gateway Fiber
Fiber		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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