514 West St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 514 West St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1984
Lot Size	1.23 acres (53,579 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Feb 2026)
Tax Bill	$4,259 (2026)
Deeds & Mortgages	Oct 2022 Refinance Feb 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:J-30 B:0051A L:0007A`

Property Details

APN / Parcel Number

Primary APN	`M:J-30 B:0051A L:0007A`
Alternative APN	`GARD M:H32 B:25 L:7A`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,202 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	53,579 sqft (1.23 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	514 WEST ST
City	GARDNER
State	MA
Zip	01440-1516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	25
Legal Lot Number	7A
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3002
Census Tract	707400

Owner

514 West St is owned and occupied by two individuals who bought it in February 2026.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	514 WEST ST, GARDNER, MA 01440-1516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC
Feb 27, 2026	Quit Claim Deed, Transfer EMBRACE HOME LOANS INC
Sep 30, 2022	Quit Claim Deed, Transfer Quitclaim
Jan 3, 2017	Quit Claim Deed, Transfer BANK OF ENGLAND MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2026 · Amount on File
Deed Sale	Feb 27, 2026 · Amount on File
Prior Sale	Jan 3, 2017 · Amount on File
Deed Book / Page	73250 / 28
Prior Transfer Date	Feb 24, 2026
Prior Transfer Doc	0073250-28
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	514 WEST ST, GARDNER, MA 01440-1516
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068396-182
Date	Oct 25, 2022
Book Page	68396/182
Instrument	115373

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2047

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 27, 2026
Property Address	514 WEST ST, GARDNER, MA 01440-1516
Document Number	0073250-28
Book / Page	73250 / 28
Instrument Date	Feb 24, 2026
Instrument	15191
Transaction Type	Transfer
Record Updated	Mar 18, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	Joint Tenants
Address	514 WEST ST, GARDNER, MA 01440-1516

Mortgage

Document Number	0000015192
Date	Feb 27, 2026
Instrument	15192

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 30, 2022
Property Address	514 WEST ST, GARDNER, MA 01440-1516
Document Number	0068289-81
Book / Page	68289 / 81
Instrument Date	Aug 26, 2022
Instrument	107079
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 WEST ST, GARDNER, MA 01440-1516

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 3, 2017
Property Address	514 WEST ST, GARDNER, MA 01440-1516
Document Number	56559-116
Book / Page	56559 / 116
Instrument	223
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28.37
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	565590119
Date	Jan 3, 2017
Instrument	56559/0119

Lender

Name	BANK OF ENGLAND MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 514 West St was $4,259, up 10,040.5% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,259.00 (+10,040.48%)	$309,300 (+5.38%) Land $94,400 Building $214,900	$339,316 (+41.74%)
2025	$42.00 (-98.98%)	$293,500 (+7.23%) Land $85,700 Building $207,800	$239,400
2024	$4,103.00 (+7.69%)	$273,700 (+15.88%) Land $78,100 Building $195,600
2023	$3,810.00	$236,200 Land $77,000 Building $159,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 514 West St in Zone X, an area of minimal flood risk, within 100 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 100 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

Wildfire risk around 514 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on West St

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