Gardner, MA
Worcester County42.5764°N, 71.9953°W
Tracking 7,163 properties across Gardner, Massachusetts — a community where the median home dates to 1948 and the oldest to 1670. Every parcel mapped with building characteristics, environmental exposure, hazard risk, and ownership history assembled from 140+ sources.
7,163
Properties Tracked
1948
Median Year Built
$304K
Median Assessed Value
2%
FEMA Flood Zone
2.12M
NEP Data Facts Tracked
Zone 1
Radon Zone
Click any parcel to view intelligence
Gardner, MAInc. 1764
Gardner is known as the "Chair City" for its furniture manufacturing heritage — the massive chair sculpture downtown is the town's most recognized landmark. The city's industrial past built a compact downtown with mill buildings and surrounding residential neighborhoods of multi-family and single-family homes. Gardner's economy has diversified, but the built environment still reflects its manufacturing roots.
For property professionals, Gardner is one of the more affordable markets in Worcester County, with a dense, older housing stock in the center and suburban development on the periphery. Building condition varies significantly, and the industrial heritage brings environmental screening considerations for some parcels.
Risk Profile
FEMA flood zones, fire protection grades, radon — parcel by parcel
FEMA Flood Zones
177 properties (2%) are in FEMA Special Flood Hazard Areas, where flood insurance is required for federally-backed mortgages.
X
6,964
AE
125
A
52
AREA NOT INCLUDED
22
Fire Protection Grades
Fire protection grades reflect proximity to fire stations and hydrant infrastructure. Grade affects insurance pricing in every New England state.
Grade A
841
Grade B
3,069
Grade C
2,298
Grade D
421
Grade E
534
Zone 1
Radon Risk
123 mph
Design Wind Speed
ASCE 7 standard
60 psf
Ground Snow Load
ASCE 7 standard
Very Low
FEMA Risk Index
NRI composite rating
The Property Landscape
7,163 properties · Median year built 1948 · Avg 2,402 sf
Property Types
Single Family
4,086
Multi-Family
1,020
Two-Family
549
Institutional
519
Vacant Land
425
Commercial
292
Industrial
141
Three-Family
57
Mixed Use
48
Other
11
Construction by Era
Pre-1800
32
1800-1849
76
1850-1899
468
1900-1949
2,555
1950-1979
1,438
1980-1999
1,079
2000+
522
Architectural Styles
Conventional
1,205
Ranch
918
Multi-Family
812
Colonial
715
Cape Cod
612
Condominium
561
Vacant Land
522
Raised Ranch
269
Market Activity
Recorded transactions from Worcester County Registry of Deeds
64%
Owner-Occupied
3%
Out-of-State Owners
NE Provenance tracks recorded deeds, mortgages, and liens for 97% of Gardner properties. Ownership intelligence includes transaction history, entity detection, portfolio identification, and lien analysis — assembled from public registry records into a single property-level profile.
Building Permits & Maintenance
30,316 municipal building permits on file · 69% of properties
NE Provenance tracks 30,316 building permits across 4,924 Gardner properties — 69% coverage. 3,872 properties have permit activity in the last five years.
Each permit record reveals maintenance decisions: roof replacements, electrical upgrades, kitchen renovations, solar installations. For insurance, lending, and appraisal professionals, permit history is the most objective evidence of property condition available from public records.
30,316
Permits on File
69%
Coverage
Properties with permits
3,872
Active (5yr)
Recent permit activity
86%
Condition Rated
NEP assessment
Living in Gardner
Worcester County · Massachusetts
Zip Codes01436014400145201468014730147502111
21,287
Population
2020 Census
7,163
Properties
$304K
Median Assessed
64%
Owner-Occupied
23.0
Square Miles
Gardner covers 23.0 square miles in Worcester County, Massachusetts. The median assessed property value is $304K.
Single-family homes account for 4,086 of Gardner's 7,163 properties and 1,626 multi-family buildings. There are 292 commercial properties and 425 parcels of vacant land. About 64% of properties are owner-occupied, and 3% are owned by someone out of state.
Assessed values range widely — the middle 50% of properties fall between $235K and $377K, with the highest assessed property at $94.2M. For professionals working in this market, the value spread tells you a lot about what you'll encounter door to door.
Most of Gardner (88%) is on municipal sewer, and 89% have public water service. Electric service is provided by FITCHBURG GAS & ELEC LIGHT CO. 634 properties have identified commercial activity — restaurants, retail, professional offices, and services that give Gardner its character. 109 properties have swimming pools.
Environmental note: Gardner has an average EPA lead paint indicator at the 56th percentile nationally, consistent with 576 properties built before 1900 when lead paint was standard. 928 properties exceed at least one EPA environmental justice threshold — a factor in lending compliance and environmental due diligence.
What Gardner Property Intelligence Means for Professionals
Insurance & Underwriting
Gardner's fire protection grade distribution (841 Grade A, 3,069 Grade B) directly affects premium calculation. Parcel-level hazard data provides the granularity that ZIP-level aggregation misses.
Insurance solutionsReal Estate & Appraisal
Gardner's 10 property types, spanning construction from 1670 to present, require local market knowledge for accurate comparable selection and valuation. NEP assembles building characteristics, environmental exposure, and condition signals into a single property profile.
Real estate solutionsLending & Title
Collateral assessment requires flood zone verification, environmental screening, and ownership chain validation. 2% of Gardner properties are in SFHAs where flood insurance is a federal lending requirement. NEP provides property-level compliance data from public records.
Lending solutionsInspection & Property Services
30,316 permits across 69% of properties means most Gardner inspection assignments can start with documented renovation and system history, not a blank slate.
Inspection solutionsExplore Gardner property intelligence.
7,163 Gardner properties — each with risk profiles, building data, permit history, and ownership analysis from 140+ sources. Open any property and see the full picture.
Newburyport, MA · Federalist · 3,524 sq ft · 4 bed / 3 bath · Built 1800 · Historic District
NEP Property Intelligence Summary
ConditionC1Fire ClassBFlood ZoneXOwnerIndividualOccupancyOwner-Occupied
Purchased2018 (8yr)Permits11 totalSystems3 updatedLiensClearAssessed$1.6MOcean0.3 mi
EraPre-1940HistoricDesignatedRenovationRecentRadonZone 1
Cite this data
Source: NE Provenance, “Professional Property Intelligence for New England,” neprovenance.com/insights/town/gardner-ma. For references or attribution, please link back to this page or neprovenance.com. Thank you, we appreciate it.