Worcester County and Gardner City property record for 87 S Main St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,229 sqft · built 1780 |
| Lot Size | 0.333 acres (14,500 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $5,008 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R17 B:19 L:22 |
| Primary APN | GARD M:R17 B:19 L:22 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,229 sqft Living Area |
| Gross Area | 4,999 sqft |
| Basement Area | 1,217 sqft |
| Unfinished Basement | 1,217 sqft |
| Year Built | Built 1780 |
|---|---|
| Effective Year Built | Effective 1780 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,500 sqft (0.333 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 87 S MAIN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C2 |
| Legal Block | 19 |
| Legal Lot Number | 22 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2041 |
| Census Tract | 707100 |
87 S Main St is owner-occupied and held in a trust.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 87 S MAIN ST, GARDNER, MA 01440-3352 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 87 S Main St was $5,008, up 10,333.3% 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 | $5,008.00 (+10,333.33%) | $363,700 (+8.21%) Land $78,400 Building $285,300 | $351,810 (-6.62%) |
| 2025 | $48.00 (-98.99%) | $336,100 (+6.06%) Land $71,200 Building $264,900 | $376,770 |
| 2024 | $4,750.00 (+2.04%) | $316,900 (+9.81%) Land $64,800 Building $252,100 | |
| 2023 | $4,655.00 | $288,600 Land $63,900 Building $224,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 87 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 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 87 S Main 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 252 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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