Worcester County and Gardner City property record for 498 West St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,144 sqft · built 1977 |
| Lot Size | 2.96 acres (129,260 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,946 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:H27 B:5 L:4 |
| Primary APN | GARD M:H27 B:5 L:4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,144 sqft Living Area |
| Gross Area | 2,336 sqft |
| Basement Area | 624 sqft |
| Unfinished Basement | 624 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 129,260 sqft (2.96 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 498 WEST ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 5 |
| Legal Lot Number | 4 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 707400 |
498 West St is owned and occupied by two individuals.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 498 WEST ST, GARDNER, MA 01440-1516 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 498 West St was $4,946, up 10,204.2% 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 | $4,946.00 (+10,204.17%) | $359,200 (+6.84%) Land $104,000 Building $255,200 | $327,001 (+13.9%) |
| 2025 | $48.00 (-99.02%) | $336,200 (+2.75%) Land $95,000 Building $241,200 | $287,090 |
| 2024 | $4,905.00 | $327,200 Land $87,200 Building $240,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 498 West St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 498 West 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: FCC Broadband Data Collection, based on 147 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 |
5G (outdoors only) and 4G LTE
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