Worcester County and Gardner City property record for 643 West St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,005 sqft · built 1959 |
| Lot Size | 0.326 acres (14,185 sqft) |
| Owner | Company Name on Record |
| Last Sale | $109,000 (Aug 2020) |
| Tax Bill | $3,694 (2026) |
| Deeds & Mortgages | Dec 2019 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | M:H-32 B:0072A L:0014 |
| Primary APN | M:H-32 B:0072A L:0014 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,005 sqft Living Area |
| Gross Area | 2,171 sqft |
| Basement Area | 957 sqft |
| Unfinished Basement | 957 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,185 sqft (0.326 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 643 WEST ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 19 |
| Legal Lot Number | 14 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 707400 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 156 SUMMER ST, GARDNER, MA 01440-6603 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2020 · Amount on Record |
| Deed Sale | Aug 28, 2020 · Amount on Record |
| Prior Sale | Dec 3, 2019 · Amount on Record |
| Prior Transfer Date | Aug 25, 2020 |
| Prior Transfer Doc | 63126-28 |
| Record Updated | Oct 29, 2026 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 3, 2019 |
| Property Address | 643 WEST ST, GARDNER, MA 01440-1517 |
| Document Number | 61525-207 |
| Book / Page | 061525 / 000207 |
| Instrument Date | Oct 30, 2019 |
| Instrument | 130498 |
| Transaction Type | Foreclosure |
| Record Updated | Dec 17, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $574.56 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 1 MORTGAGE WAY MOUNT LAUREL NJ 080544637, MOUNT LAUREL, NJ 08054-4637 |
| Investor | Possibly a Property Investor |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,694.00 (+9,883.78%) | $268,300 (+2.72%) Land $78,200 Building $190,100 | $316,789 (+23.09%) |
| 2025 | $37.00 (-99.01%) | $261,200 (+4.48%) Land $71,100 Building $190,100 | $257,355 |
| 2024 | $3,748.00 (+8.54%) | $250,000 (+16.77%) Land $64,600 Building $185,400 | |
| 2023 | $3,453.00 | $214,100 Land $63,700 Building $150,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · rainfall accumulation |
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.
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.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
5G (outdoors only) and 4G LTE
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