Worcester County and Gardner City property record for 480 Park St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,499 sqft · built 1890 |
| Lot Size | 0.564 acres (24,557 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Jun 1989) |
| Tax Bill | $4,525 (2026) |
| Deeds & Mortgages | Mar 2024 Refinance Jul 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M32 B:14 L:5 |
| Primary APN | GARD M:M32 B:14 L:5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,499 sqft Living Area |
| Gross Area | 3,355 sqft |
| Basement Area | 1,044 sqft |
| Unfinished Basement | 1,044 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 24,557 sqft (0.564 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 480 PARK ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 14 |
| Legal Lot Number | 5 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 707400 |
480 Park St is owned and occupied by two individuals who bought it in June 1989.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 480 PARK ST, GARDNER, MA 01440-1628 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Mar 8, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance ATHOL SAVINGS BANK |
| Jul 5, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 19, 1989 · Amount on File |
| Deed Sale | Jun 19, 1989 · Amount on File |
| Prior Sale | Aug 16, 1988 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 480 PARK ST, GARDNER, MA 01440-1628 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 070264-366 |
|---|---|
| Date | Mar 8, 2024 |
| Book Page | 70264/366 |
| Instrument | 16837 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 480 PARK ST, GARDNER, MA 01440-1628 |
| Document Number | 60719-1 |
| Instrument Date | Jul 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 480 PARK ST GARDNER MA 014401628, GARDNER, MA 01440-1628 |
| Document Number | 60719-1 |
|---|---|
| Date | Jul 17, 2019 |
| Book Page | 060719/000001 |
| Instrument | 68733 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 16, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 480 Park St was $4,525, up 10,423.3% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,525.00 (+10,423.26%) | $328,600 (+8.31%) Land $84,700 Building $243,900 | $349,049 (+5.4%) |
| 2025 | $43.00 (-99%) | $303,400 (+5.57%) Land $77,000 Building $226,400 | $331,170 |
| 2024 | $4,308.00 (+2.69%) | $287,400 (+10.5%) Land $70,000 Building $217,400 | |
| 2023 | $4,195.00 | $260,100 Land $69,000 Building $191,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 480 Park St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · rainfall accumulation |
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 risk around 480 Park 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
4G LTE (outdoors only), no 5G reported
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