53 Washington St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 53 Washington St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,999 sqft · built 1905
Lot Size	0.23 acres (10,009 sqft)
Owner	Individual Name on Record
Last Sale	$252,000 (Jul 2021)
Tax Bill	$4,932 (2026)
Deeds & Mortgages	May 2026 Mortgage Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:6 L:29`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:6 L:29`
Alternative APN	`M:P-23 B:0044 L:0029`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,999 sqft Living Area
Gross Area	5,234 sqft
Basement Area	1,683 sqft
Unfinished Basement	1,683 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	10,009 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	53 WASHINGTON ST
City	GARDNER
State	MA
Zip	01440-2731
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	6
Legal Lot Number	29
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1010
Census Tract	707200

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 Record	Individual Name on Record
Mailing Address	53 WASHINGTON ST, GARDNER, MA 01440-2731
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · Balloon Mortgage DEL ONE CREDIT UNION
Jan 30, 2018	Deed of Trust, Mortgage COLONIAL CP BK
Jul 26, 2021	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2021 · Amount on Record
Deed Sale	Jul 26, 2021 · Amount on Record
Prior Sale	Oct 28, 2008 · Amount on Record
Deed Document Number	2021103966
Deed Book / Page	65692 / 192
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	May 18, 2026
Property Address	53 WASHINGTON ST, GARDNER, MA 01440-2731
Document Number	073587-100
Book / Page	73587 / 100
Instrument Date	May 12, 2026
Instrument	202638849
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	53 WASHINGTON ST, GARDNER, MA 01440-2731

Mortgage

Document Number	0000038849,
Date	May 18, 2026
Book Page	73587/100
Instrument	202638849

Lender

Name	DEL ONE CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate	6.3%
Max Rate	-1%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	53 WASHINGTON ST, GARDNER, MA 01440-2731
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	058378-376
Date	Jan 30, 2018
Book Page	58378/376
Instrument	9629

Lender

Name	COLONIAL CP BK

Agreement

Amount	Amount Recorded

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 26, 2021
Property Address	53 WASHINGTON ST, GARDNER, MA 01440-2731
Document Number	065692-192
Book / Page	65692 / 192
Instrument Date	Jul 26, 2021
Instrument	103966
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
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
Address	53 WASHINGTON ST, GARDNER, MA 01440-2731

Mortgage

Document Number	0000103967
Date	Jul 26, 2021
Instrument	103967

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$4,932.00 (+10,393.62%)	$358,200 (+8.12%) Land $75,400 Building $282,800	$438,073
2025	$47.00 (-98.93%)	$331,300 (+12.76%) Land $68,500 Building $262,800
2024	$4,404.00 (-0.9%)	$293,800 (+6.64%) Land $62,300 Building $231,500
2023	$4,444.00	$275,500 Land $61,400 Building $214,100

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 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.

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	None 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 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 388 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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