55 Central St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 55 Central St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,575 sqft · built 1830
Lot Size	0.945 acres (41,143 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (May 2002)
Tax Bill	$56 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Mar 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:Q-26 B:0028 L:0008`

Property Details

APN / Parcel Number

Primary APN	`M:Q-26 B:0028 L:0008`
Alternative APN	`GARD M:R27 B:17 L:27`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,575 sqft Living Area
Gross Area	4,551 sqft

Exterior

Year Built	Built 1830
Effective Year Built	Effective 1830
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Slate
Lot Area	41,143 sqft (0.945 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	55 CENTRAL ST
City	GARDNER
State	MA
Zip	01440-1650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	17
Legal Lot Number	27
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1018
Census Tract	707500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Gardner Uptown Historic District listed 1999 · 88 contributing resources · NRIS 99000660

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	Individual Name on Record
Mailing Address	55 CENTRAL ST, BALDWINVILLE, MA 01436-1201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) LOWELL COMMUNITY LOAN FUND INC
Mar 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LOWELL COMMUNITY LOAN FUND INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2002 · Amount on Record
Deed Sale	May 16, 2002 · Amount on Record
Prior Sale	Nov 6, 1991 · Amount on Record
Deed Book / Page	26595 / 363
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	55 CENTRAL ST, GARDNER, MA 01440-1650
Transaction Type	Mortgage
Record Updated	Feb 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068807-217
Date	Feb 7, 2023
Book Page	68807/217
Instrument	11423

Lender

Name	LOWELL COMMUNITY LOAN FUND INC

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	55 CENTRAL ST, GARDNER, MA 01440-1650
Transaction Type	Mortgage
Record Updated	Apr 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067303-375
Date	Mar 22, 2022
Book Page	67303/375
Instrument	31605

Lender

Name	LOWELL COMMUNITY LOAN FUND INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

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
2025	$56.00 (-99.05%)	$392,600 (-0.36%) Land $92,900 Building $299,700	$486,780
2024	$5,906.00 (+5.07%)	$394,000 (+13.06%) Land $84,600 Building $309,400
2023	$5,621.00	$348,500 Land $83,300 Building $265,200

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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Gateway Fiber, T-Mobile.

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