Skip to content
Skip to content
TopHapOpen in map
Duplex (2 Units, Any Combination)Residential
Last sold for $87,500 on Mar 14, 1990

40 WATERFORD ST

GARDNER, MA 01440
3
Beds
2
Baths
1,639 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.
0.15 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
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.$87,500 · Mar 14, 1990

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,423 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$321,200 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$73,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$247,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$254,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$338,268

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.area not mapped

Scores 0–100; higher = greater projected risk.

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.Bungalow
CountyWORCESTER
Lot (acres)The size of the land the home sits on, from county records.0.15
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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 · 1.5 mi
M
Gardner Middle SchoolD
Middle · Grades 5–7 · 1.6 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%

Owner Tools

Do you own this home?
Claim this home

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

40 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.

  • Has a smaller lot than 89% of homes in Worcester County
  • Older than 80% 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 area1,639 ft²
SmallerTypical 1,496 ft²Bigger

Bigger than 60% of homes nearby

Lot size0.15 ac
SmallerTypical 0.29 acBigger

Bigger than 17% of homes nearby

Year built1920
OlderTypical 1950Newer

Newer than 34% of homes nearby

How 40 Waterford St ranks against every home in each area.
MeasureThis homeGardner 01440Worcester County
Living areabigger than1,639 ft²60% of homes47% of homes
Lot sizebigger than0.15 ac17% of homes11% of homes
Year builtnewer than192034% of homes20% of homes

About 40 Waterford St

When did 40 Waterford St, Gardner, MA last sell?

40 Waterford St, Gardner, MA last sold on Mar 14, 1990 for $87,500, according to the county's recorded deed.

How big is 40 Waterford St, Gardner, MA?

40 Waterford St, Gardner, MA has 3 bedrooms, 2 bathrooms, 1,639 square feet of living space and a 0.15-acre lot.

When was 40 Waterford St, Gardner, MA built?

40 Waterford St, Gardner, MA was built in 1920, making it 106 years old. It is a bungalow home. The building has 2 stories.

What schools serve 40 Waterford St, Gardner, MA?

40 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 40 Waterford St, Gardner, MA compare to other homes in Gardner 01440?

Among the 5,707 homes in Gardner 01440, it is bigger than 60% of them (1,639 ft² against a typical 1,496 ft²), its lot is bigger than 17% of them (0.15 ac against a typical 0.29 ac) and it is newer than 34% of them (1920 against a typical 1950). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 40 Waterford St, Gardner, MA?

The 2026 property tax bill for 40 Waterford St, Gardner, MA was $4,423. The county assessed it at $321,200.

More homes on Waterford St

Closest homes

More homes in Gardner 01440

Assigned schools

Explore the area

See this home in context

Open 40 Waterford St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map