Worcester County and Gardner City property record for 654 Whitney St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,814 sqft · built 1993 |
| Lot Size | 0.975 acres (42,473 sqft) |
| Owner | Individual Name on File |
| Last Sale | $24,420 (Mar 2015) |
| Tax Bill | $6,001 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:R-02 B:0020C L:0012 |
| Primary APN | M:R-02 B:0020C L:0012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,814 sqft Living Area |
| Gross Area | 4,992 sqft |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 42,473 sqft (0.975 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 654 WHITNEY ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Subdivision | MARTIN E JR & RITA L RAYMOND |
| Legal Block | 24 |
| Legal Lot Number | 12 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 707100 |
654 Whitney St is owned and occupied by an individual who bought it in March 2015.
Source: Worcester County and Gardner City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 654 WHITNEY ST, GARDNER, MA 01440-3417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 31, 2015 · Amount on File |
| Deed Sale | Mar 31, 2015 · Amount on File |
| Prior Sale | Jun 11, 1999 · Amount on File |
| Deed Book / Page | 53535 / 308 |
| Transfer Doc | 053535-308 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 654 Whitney St was $6,001, up 9,901.7% from the year before.
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 | $6,001.00 (+9,901.67%) | $435,800 (+3.89%) Land $93,000 Building $342,800 | $447,732 (+17.06%) |
| 2025 | $60.00 (-99.06%) | $419,500 (-0.97%) Land $84,500 Building $335,000 | $382,470 |
| 2024 | $6,350.00 (+7.79%) | $423,600 (+15.99%) Land $77,000 Building $346,600 | |
| 2023 | $5,891.00 | $365,200 Land $75,800 Building $289,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 654 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 risk around 654 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.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
5G and 4G LTE (outdoors only)
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