589 Whitney St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 589 Whitney St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,032 sqft · built 1998
Lot Size	4.31 acres (188,066 sqft)
Owner	Individual Name on File
Last Sale	$148,300 (Nov 1998)
Tax Bill	$7,269 (2026)
Deeds & Mortgages	Jun 2025 Line of Credit Apr 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:R-02 B:0031G L:0019`

Property Details

APN / Parcel Number

Primary APN	`M:R-02 B:0031G L:0019`
Alternative APN	`GARD M:R07 B:23 L:16`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,032 sqft Living Area
Gross Area	4,034 sqft
Basement Area	850 sqft
Unfinished Basement	850 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	188,066 sqft (4.31 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	589 WHITNEY ST
City	GARDNER
State	MA
Zip	01440-3414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	SURVEYED ERIC M & ELAINE V OLS
Legal Block	23
Legal Lot Number	16
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1035
Census Tract	707100

Owner

589 Whitney St is owned and occupied by an individual who bought it in November 1998.

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

Owner of Record	Individual Name on File
Mailing Address	589 WHITNEY ST, GARDNER, MA 01440-3414
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

Date	Document
Jun 27, 2025	Deed of Trust, Mortgage · Line of Credit GFA FEDERAL CREDIT UNION
Apr 2, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 1998 · Amount on File
Deed Sale	Nov 20, 1998 · Amount on File
Deed Book / Page	20689 / 300
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	589 WHITNEY ST, GARDNER, MA 01440-3414
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072182-58
Date	Jun 27, 2025
Book Page	72182/58
Instrument	52569

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2045

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	589 WHITNEY ST, GARDNER, MA 01440-3414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60226-230
Date	Apr 2, 2019
Book Page	60226/230
Instrument	28805

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	May 1, 2024

Tax Assessment & Valuation

The 2026 property tax bill for 589 Whitney St was $7,269, up 8.1% 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	$7,269.00 (+8.09%)	$527,900 (+12.73%) Land $110,700 Building $417,200	$553,927 (+32.37%)
2025	$6,725.00 (-4.42%)	$468,300 (-0.23%) Land $101,700 Building $366,600	$418,475
2024	$7,036.00 (+6.48%)	$469,400 (+14.57%) Land $93,900 Building $375,500
2023	$6,608.00	$409,700 Land $89,800 Building $319,900

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

Flood

FEMA maps place 589 Whitney St in Zone X, an area of minimal flood risk.

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
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 589 Whitney 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

4G LTE (outdoors only), no 5G reported

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