58 S Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 58 S Main St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,752 sqft · built 1900
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Nov 2020)
Tax Bill	$5,045 (2026)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:S-15 B:0003 L:0015`

Property Details

APN / Parcel Number

Primary APN	`M:S-15 B:0003 L:0015`
Alternative APN	`GARD M:R17 B:24 L:15`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,752 sqft Living Area
Gross Area	5,972 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	58 S MAIN ST
City	GARDNER
State	MA
Zip	01440-3344
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	15
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2042
Census Tract	707100

Owner

58 S Main St, a duplex, is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	58 S MAIN ST, GARDNER, MA 01440-3344
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2020 · Amount on File
Deed Sale	Nov 23, 2020 · Amount on File
Prior Sale	Jan 11, 2019 · Amount on File
Deed Document Number	2020144016
Deed Book / Page	63817 / 242
Record Updated	Oct 29, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 23, 2020
Property Address	58 S MAIN ST, GARDNER, MA 01440-3344
Document Number	63817-242
Book / Page	063817 / 000242
Instrument Date	Nov 23, 2020
Instrument	144016
Transaction Type	Transfer
Record Updated	Dec 15, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,026.00
Amount Accuracy	Confirmed
Additional	Quitclaim Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 S MAIN ST GARDNER MA 01440, GARDNER, MA 01440

Mortgage

Document Number	63817-245
Date	Nov 23, 2020
Book Page	063817/000245
Instrument	144017

Lender

Name	ROSS MTG CO INC

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 22, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 58 S Main St was $5,045, up 10,410.4% 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	$5,045.00 (+10,410.42%)	$366,400 (+9.18%) Land $72,900 Building $293,500	$402,351
2025	$48.00 (-98.92%)	$335,600 (+13.42%) Land $66,200 Building $269,400
2024	$4,436.00 (+0.52%)	$295,900 (+8.15%) Land $60,200 Building $235,700
2023	$4,413.00	$273,600 Land $59,300 Building $214,300

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

Flood

FEMA maps place 58 S Main 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 58 S Main 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Main St

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