Worcester County and Gardner City property record for 509 Main St, Gardner, MA 01440
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 2 ba · 7,280 sqft · built 1900 |
| Lot Size | 0.265 acres (11,553 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $37,000 (Nov 1984) |
| Tax Bill | $3,848 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R22 B:22 L:8 |
| Primary APN | GARD M:R22 B:22 L:8 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 7,280 sqft Total Area |
| Gross Area | 9,124 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Rolled Roofing |
| Lot Area | 11,553 sqft (0.265 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 509 MAIN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3037 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Block | 22 |
| Legal Lot Number | 8 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 707200 |
Source: Worcester County and Gardner City records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | PO BOX 427, GARDNER, MA 01440-0427 |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 1984 · Amount on Record |
| Deed Sale | Nov 5, 1984 · Amount on Record |
| Deed Book / Page | 8437 / 140 |
| Record Updated | Jun 8, 2026 |
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 |
|---|---|---|
| 2025 | $3,848.00 (+6.95%) | $268,000 (+11.67%) Land $60,200 Building $207,800 |
| 2024 | $3,598.00 | $240,000 Land $57,400 Building $182,600 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 248 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Gateway Fiber, Verizon.
5G (outdoors only) and 4G LTE
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