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Duplex (2 Units, Any Combination)Residential
Last sold for $140,000 on Apr 18, 2014

186 WATERFORD ST

GARDNER, MA 01440
4
Beds
3 / 1
Baths
1,958 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.17 ac
Lot SizeThe size of the land the home sits on, from county records.
1949
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$140,000 · Apr 18, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,226 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$294,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$67,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$227,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$294,300

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Duplex (2 Units, Any Combination)
StyleThe architectural style of the home, such as ranch or colonial.Cape Cod
CountyWorcester
Lot (acres)The size of the land the home sits on, from county records.0.17
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Gardner High SchoolD+
High · Grades 8–12 · 1.6 mi
M
Gardner Middle SchoolD
Middle · Grades 5–7 · 1.7 mi
E
Gardner Elementary SchoolD-
Elementary · Grades PK–4 · 1.9 mi

District: Gardner School District

Neighborhood · ZIP 01440These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.123
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.21,657
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.854 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,433
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,787
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

186 Waterford St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Bigger than 75% of homes in Gardner 01440
  • Has a smaller lot than 86% of homes in Worcester County
  • Older than 69% of homes in Worcester County

How it measures up in Gardner 01440

The dot is this home. The mark in the middle is the typical home in Gardner 01440.

Living area1,958 ft²
SmallerTypical 1,485 ft²Bigger

Bigger than 75% of homes nearby

Lot size0.17 ac
SmallerTypical 0.29 acBigger

Bigger than 21% of homes nearby

Year built1949
OlderTypical 1949Newer

Newer than 50% of homes nearby

How 186 Waterford St ranks against every home in each area.
MeasureThis homeGardner 01440Worcester County
Living areabigger than1,958 ft²75% of homes62% of homes
Lot sizebigger than0.17 ac21% of homes14% of homes
Year builtnewer than194950% of homes31% of homes

About 186 Waterford St

When did 186 Waterford St, Gardner, MA last sell?

186 Waterford St, Gardner, MA last sold on Apr 18, 2014 for $140,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 186 Waterford St, Gardner, MA?

186 Waterford St, Gardner, MA has 4 bedrooms, 3 bathrooms, 1,958 square feet of living space and a 0.17-acre lot.

When was 186 Waterford St, Gardner, MA built?

186 Waterford St, Gardner, MA was built in 1949, making it 77 years old. It is a cape cod home. The building has 2 stories.

What schools serve 186 Waterford St, Gardner, MA?

186 Waterford St, Gardner, MA is assigned to Gardner High School (high), rated D+; Gardner Middle School (middle), rated D; Gardner Elementary School (elementary), rated D-. All sit in Gardner School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 186 Waterford St, Gardner, MA compare to other homes in Gardner 01440?

Among the 5,707 homes in Gardner 01440, it is bigger than 75% of them (1,958 ft² against a typical 1,485 ft²), its lot is bigger than 21% of them (0.17 ac against a typical 0.29 ac) and it is newer than 50% of them (1949 against a typical 1949). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 186 Waterford St, Gardner, MA?

The 2025 property tax bill for 186 Waterford St, Gardner, MA was $4,226. The county assessed it at $294,300.

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