78 Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 78 Main St, Gardner, MA 01440

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2 ba · 1,190 sqft · built 1900
Lot Size	0.03 acres (1,328 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Nov 2018)
Tax Bill	$2,502 (2025)
Deeds & Mortgages	Nov 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`M:O-23 B:0010A L:0032A`

Property Details

APN / Parcel Number

Primary APN	`M:O-23 B:0010A L:0032A`
Alternative APN	`GARD M:M22 B:10 L:32A`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,190 sqft Total Area
Gross Area	2,448 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	1,328 sqft (0.03 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	78 MAIN ST
City	GARDNER
State	MA
Zip	01440-2634
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Block	10
Legal Lot Number	32A
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3005
Census Tract	707300

Owner

Source: Worcester County and Gardner City records · APN M:O-23 B:0010A L:0032A

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	78 MAIN ST, GARDNER, MA 01440-2634
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 06, 2018 · Amount on Record
Deed Sale	Nov 06, 2018 · Amount on Record
Prior Sale	Jun 24, 1994 · Amount on Record
Deed Document Number	2018118241
Deed Book / Page	59655 / 80
Record Updated	Jun 08, 2026

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 06, 2018
Property Address	78 MAIN ST, GARDNER, MA 01440-2634
Document Number	59655-80
Book / Page	059655 / 000080
Instrument Date	Nov 06, 2018
Instrument	118241
Transaction Type	Transfer
Record Updated	Nov 28, 2018

Transaction

Amount	Amount Recorded
Tax	$501.60
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 MAIN ST GARDNER MA 014402606, GARDNER, MA 01440-2606

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$2,502.00 (+4.08%)	$174,200 (+8.6%) Land $80,300 Building $93,900
2024	$2,404.00 (-3.72%)	$160,400 (+3.62%) Land $79,500 Building $80,900
2023	$2,497.00	$154,800 Land $73,900 Building $80,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 30, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Gateway Fiber Holdings Fiber	2,000 / 2,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 519 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	GARDNER WATER DEPARTMENT serves 21,381 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.