78 Washington St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,404 sqft · built 1927
Lot Size	0.145 acres (6,307 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,944 (2026)
Deeds & Mortgages	Sep 2022 Refinance Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:6 L:42`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:6 L:42`
Alternative APN	`M:P-23 B:0008 L:0042`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,404 sqft Living Area
Gross Area	2,752 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,307 sqft (0.145 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	78 WASHINGTON ST
City	GARDNER
State	MA
Zip	01440-2732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	6
Legal Lot Number	42
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1009
Census Tract	707200

Owner

78 Washington St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	78 WASHINGTON ST, GARDNER, MA 01440-2732
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 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Dec 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	78 WASHINGTON ST, GARDNER, MA 01440-2732
Transaction Type	Mortgage
Record Updated	Oct 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068277-112
Date	Sep 28, 2022
Book Page	68277/112
Instrument	106225

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2032

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	78 WASHINGTON ST, GARDNER, MA 01440-2732
Document Number	58171-181
Book / Page	058171 / 000181
Instrument Date	Dec 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58171-181
Date	Dec 11, 2017
Book Page	058171/000181
Instrument	138574

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 10, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 78 Washington St was $3,944, up 10,559.5% 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	$3,944.00 (+10,559.46%)	$286,400 (+8.28%) Land $73,000 Building $213,400	$313,287 (+11%)
2025	$37.00 (-99.01%)	$264,500 (+6.48%) Land $66,400 Building $198,100	$282,245
2024	$3,724.00 (+2.53%)	$248,400 (+10.3%) Land $60,300 Building $188,100
2023	$3,632.00	$225,200 Land $59,400 Building $165,800

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

Flood

FEMA maps place 78 Washington 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 78 Washington 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 388 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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