649 West St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 649 West St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,088 sqft · built 1958
Lot Size	1.25 acres (54,450 sqft)
Owner	Individual Name on Record
Last Sale	$248,000 (Dec 2023)
Tax Bill	$3,991 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:H-32 B:0072 L:0013`

Property Details

APN / Parcel Number

Primary APN	`M:H-32 B:0072 L:0013`
Alternative APN	`GARD M:H32 B:19 L:13`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,088 sqft Living Area
Gross Area	2,981 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,450 sqft (1.25 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	649 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	13
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1009
Census Tract	707400

Owner

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	Individual Name on Record
Mailing Address	649 WEST ST, GARDNER, MA 01440-1517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2023 · Amount on Record
Deed Sale	Dec 8, 2023 · Amount on Record
Prior Sale	Oct 24, 2012 · Amount on Record
Deed Document Number	2023103212
Deed Book / Page	69976 / 69
Transfer Doc	49839-309
Record Updated	Oct 29, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 8, 2023
Property Address	649 WEST ST, GARDNER, MA 01440-1517
Document Number	0069976-69
Book / Page	69976 / 69
Instrument Date	Dec 8, 2023
Instrument	103212
Transaction Type	Transfer
Record Updated	Dec 22, 2023

Transaction

Amount	Amount Recorded
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	649 WEST ST, GARDNER, MA 01440-1517

Mortgage

Document Number	0000103213
Date	Dec 8, 2023
Instrument	103213

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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
2026	$3,991.00 (+1.47%)	$289,800 (+5.81%) Land $94,600 Building $195,200	$318,497 (+9.96%)
2025	$3,933.00 (+1.58%)	$273,900 (+6.04%) Land $85,900 Building $188,000	$289,655
2024	$3,872.00 (+1.57%)	$258,300 (+9.31%) Land $78,300 Building $180,000
2023	$3,812.00	$236,300 Land $77,200 Building $159,100

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 · 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	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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE only, no 5G reported

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