Skip to content
Skip to content
TopHapOpen in map
Triplex (3 Units, Any Combination)Residential
Last sold for $56,799 on Aug 28, 2013

45 S MAIN ST

GARDNER, MA 01440
5
Beds
3
Baths
3,612 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1880
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.
15
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.$56,799 · Aug 28, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$67 (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.$463,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$67,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$395,800

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.83 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.Triplex (3 Units, Any Combination)
CountyWORCESTER
Lot (acres)The size of the land the home sits on, from county records.0.20
RoofThe main material covering the roof, such as asphalt shingle or tile.Slate
HeatingThe type of heating system in the home.Steam
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(5)

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

Foreclosure Filings(1)

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 · 1.7 mi
E
Gardner Elementary SchoolD-
Elementary · Grades PK–4 · 1.8 mi
M
Gardner Middle SchoolD
Middle · Grades 5–7 · 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

45 S Main 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 97% of homes in Gardner 01440
  • Has a smaller lot than 82% of homes in Worcester County
  • Older than 95% 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 area3,612 ft²
SmallerTypical 1,485 ft²Bigger

Bigger than 97% of homes nearby

Lot size0.2 ac
SmallerTypical 0.29 acBigger

Bigger than 27% of homes nearby

Year built1880
OlderTypical 1949Newer

Newer than 7% of homes nearby

How 45 S Main St ranks against every home in each area.
MeasureThis homeGardner 01440Worcester County
Living areabigger than3,612 ft²97% of homes95% of homes
Lot sizebigger than0.2 ac27% of homes18% of homes
Year builtnewer than18807% of homes5% of homes

About 45 S Main St

When did 45 S Main St, Gardner, MA last sell?

45 S Main St, Gardner, MA last sold on Aug 28, 2013 for $56,799, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 45 S Main St, Gardner, MA?

45 S Main St, Gardner, MA has 5 bedrooms, 3 bathrooms, 3,612 square feet of living space and a 0.20-acre lot.

When was 45 S Main St, Gardner, MA built?

45 S Main St, Gardner, MA was built in 1880, making it 146 years old. The building has 3 stories.

What schools serve 45 S Main St, Gardner, MA?

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

How does 45 S Main St, Gardner, MA compare to other homes in Gardner 01440?

Among the 5,707 homes in Gardner 01440, it is bigger than 97% of them (3,612 ft² against a typical 1,485 ft²), its lot is bigger than 27% of them (0.2 ac against a typical 0.29 ac) and it is newer than 7% of them (1880 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 45 S Main St, Gardner, MA?

The 2025 property tax bill for 45 S Main St, Gardner, MA was $67. The county assessed it at $463,400.

More homes on S Main St

Closest homes

More homes in Gardner 01440

Assigned schools

Explore the area

See this home in context

Open 45 S Main 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