99 Main St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 99 Main St, Gardner, MA 01440

Property Summary

Property Type	Apartments (5+ Units)
Details	8 bd · 4 ba · 4,566 sqft · built 1900
Lot Size	0.197 acres (8,575 sqft)
Owner	Individual Name on Record
Last Sale	$355,000 (Dec 2020)
Tax Bill	$71 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:O-23 B:0096 L:0029`

Property Details

APN / Parcel Number

Primary APN	`M:O-23 B:0096 L:0029`
Alternative APN	`GARD M:M22 B:10 L:29`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Total Rooms	16 Rooms
Units	4 Units
Stories	2 Stories
Building Area	4,566 sqft Living Area
Gross Area	7,701 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Other
Lot Area	8,575 sqft (0.197 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	99 MAIN ST
City	GARDNER
State	MA
Zip	01440-2628
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Block	10
Legal Lot Number	29
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3006
Census Tract	707300

Owner

Source: Worcester County and Gardner City records, as of April 14, 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	2152 HARPOON DR, STAFFORD, VA 22554-2330
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Prior Sale	Nov 16, 2010 · Amount on Record
Record Updated	Jun 8, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 22, 2020
Property Address	99 MAIN ST, GARDNER, MA 01440-2628
Document Number	64053-220
Book / Page	64053 / 220
Instrument Date	Dec 21, 2020
Instrument	160364
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 SEWALL AVE APT 1A, 1A, BROOKLINE, MA 02446-5119

Mortgage

Document Number	160365
Date	Dec 22, 2020
Instrument	160365

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First 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
2025	$71.00 (-98.87%)	$496,000 (+18.77%) Land $67,700 Building $428,300
2024	$6,260.00 (+0.98%)	$417,600 (+8.67%) Land $61,500 Building $356,100
2023	$6,199.00	$384,300 Land $60,600 Building $323,700

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

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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