9 West St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 9 West St, Gardner, MA 01440

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	5 bd · 2.5 ba · 3,970 sqft · built 1900
Lot Size	0.239 acres (10,428 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Aug 2019)
Tax Bill	$1,062 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M22 B:4 L:69`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M22 B:4 L:69`
Alternative APN	`M:N-24 B:0136 L:0069`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Units	6 Units
Stories	3 Stories
Building Area	3,970 sqft Total Area
Gross Area	7,401 sqft
Basement Area	1,195 sqft
Unfinished Basement	1,195 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,428 sqft (0.239 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	9 WEST ST
City	GARDNER
State	MA
Zip	01440-2152
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	C1
Legal Block	4
Legal Lot Number	69
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1000
Census Tract	707300

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	9 WEST ST, GARDNER, MA 01440-2152
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Aug 22, 2019	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2019 · Amount on Record
Deed Sale	Aug 22, 2019 · Amount on Record
Prior Sale	Jun 27, 2012 · Amount on Record
Deed Document Number	201984352
Deed Book / Page	60919 / 331
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	9 WEST ST, GARDNER, MA 01440-2152
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065026-117
Date	Apr 27, 2021
Book Page	65026/117
Instrument	57545

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 22, 2019
Property Address	9 WEST ST, GARDNER, MA 01440-2152
Document Number	60919-331
Book / Page	60919 / 331
Instrument Date	Aug 22, 2019
Instrument	84352
Transaction Type	Transfer
Record Updated	May 12, 2021

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	9 WEST ST, GARDNER, MA 01440-2152

Mortgage

Document Number	84353
Date	Aug 22, 2019
Instrument	84353

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	$1,062.00 (-75.86%)	$77,150 (-74.82%) Land $26,275 Building $50,875	$444,724 (+13.71%)
2025	$4,400.00 (+9.73%)	$306,400 (+14.54%) Land $102,900 Building $203,500	$391,115
2024	$4,010.00 (-2.17%)	$267,500 (+5.27%) Land $98,100 Building $169,400
2023	$4,099.00	$254,100 Land $89,000 Building $165,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

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 519 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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