59 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 59 Ash St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	3 bd · 3.5 ba · 1,530 sqft · built 1915
Lot Size	0.129 acres (5,610 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Jun 2019)
Tax Bill	$4,274 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:N-25 B:0051 L:0012`

Property Details

APN / Parcel Number

Primary APN	`M:N-25 B:0051 L:0012`
Alternative APN	`GARD M:M27 B:24 L:12`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,530 sqft Living Area
Gross Area	3,516 sqft
Basement Area	846 sqft
Unfinished Basement	846 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,610 sqft (0.129 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	59 ASH ST
City	GARDNER
State	MA
Zip	01440-2109
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	12
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2001
Census Tract	707400

Owner

59 Ash St, a duplex, is owned and occupied by an individual who bought it in June 2019.

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

Owner of Record	Individual Name on File
Mailing Address	59 ASH ST, GARDNER, MA 01440-2109
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
Sep 8, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) I-C FCU
Jun 14, 2019	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2019 · Amount on File
Deed Sale	Jun 14, 2019 · Amount on File
Prior Sale	Nov 14, 2003 · Amount on File
Deed Document Number	201955317
Deed Book / Page	60554 / 98
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	59 ASH ST, GARDNER, MA 01440-2109
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069618-274
Date	Sep 8, 2023
Book Page	69618/274
Instrument	74688

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2043

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 14, 2019
Property Address	59 ASH ST, GARDNER, MA 01440-2109
Document Number	60554-98
Book / Page	60554 / 98
Instrument Date	Jun 14, 2019
Instrument	55317
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	59 ASH ST, GARDNER, MA 01440-2109

Mortgage

Document Number	55318
Date	Jun 14, 2019
Instrument	55318

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 59 Ash St was $4,274, up 11,451.4% 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	$4,274.00 (+11,451.35%)	$310,400 (+19.57%) Land $72,500 Building $237,900	$346,988
2025	$37.00 (-99%)	$259,600 (+5.36%) Land $66,000 Building $193,600
2024	$3,694.00 (+3.85%)	$246,400 (+11.75%) Land $60,000 Building $186,400
2023	$3,557.00	$220,500 Land $59,100 Building $161,400

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

Flood

FEMA maps place 59 Ash St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 59 Ash 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	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 519 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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