CCN 225196 · Worcester County, Massachusetts
Gardner Rehabilitation and Nursing Center
59 Eastwood Circle, Gardner, MA 01440
Gardner Rehabilitation and Nursing Center is a 124-bed for-profit nursing home in Gardner, Massachusetts, first certified for Medicare or Medicaid in 1970. CMS rates it 2 out of 5 stars overall in its September 2026 data, and it averaged 108.6 residents a day, about 88% of its certified beds. It has an active FHA-insured Section 232 loan: $12.6 million originally, at 5.88%, with $12.5 million outstanding as of September 30, 2026 and maturity in April 2061.
Facility facts
- Certified beds
- 124
- Average residents per day
- 108.6 (87.6% of beds)
- Ownership type
- For profit - Limited Liability company
- Certification
- Medicare and Medicaid
- Legal business name
- Gardner Operations LLC
- Certified since
- May 29, 1970
- Chain or affiliated group
- None listed by CMS
- Location
- Urban
Ratings and staffing
Star ratings run from 1 to 5. Staffing is nurse hours per resident per day from CMS Payroll Based Journal data; turnover is the CMS annual nursing staff turnover rate. Occupancy is CMS's average daily census divided by certified beds.
| Measure | This facility | Massachusetts median | US median |
|---|---|---|---|
| Overall rating | 2 of 5 | State spread: 65 at 1, 68 at 2, 62 at 3, 72 at 4, 71 at 5 | |
| Health inspections | 2 of 5 | ||
| Quality measures | 3 of 5 | ||
| Staffing | 2 of 5 | ||
| Total nurse hours per resident per day | 4.06 | 3.70 | 3.68 |
| RN hours per resident per day | 0.61 | 0.60 | 0.58 |
| Weekend nurse hours per resident per day | 3.37 | ||
| Nursing staff turnover | 51.2% | 37.7% | 44.9% |
| Occupancy (residents / beds) | 87.6% | 86.9% | 85.7% |
| Fines reported by CMS | None | ||
| Health deficiencies, latest standard survey | 10 (Feb 2, 2026) | ||
HUD 223(f) Express Lane: the CMS part
HUD gives 223(f) applications queue priority when the facility has CMS overall and health inspection ratings of at least 2 stars and no abuse icon, among other tests (ORCF criteria of March 31, 2026). Gardner Rehabilitation and Nursing Center meets that part today: 2 stars overall, 2 on health inspections, no abuse icon. The loan-to-value, coverage and operator tests depend on the deal. All the criteria.
Who owns and operates it
These are the owners and operators the facility reported to CMS: anyone with a 5% or greater direct or indirect stake, and any organization with operational or managerial control.
| Name | Role | Share | Since |
|---|---|---|---|
| Gardner Nursing Home Holding Company LLCOrganization | Direct Ownership Interest | 100% | 04/20/2021 |
| Jacobowitz, HarryIndividual | Indirect Ownership Interest | 14% | 12/13/2022 |
| Jacobowitz, KalmanIndividual | Indirect Ownership Interest | 12% | 12/13/2022 |
| Lipman, EileenIndividual | Indirect Ownership Interest | 12% | 12/13/2022 |
| Lipman, MichaelIndividual | Indirect Ownership Interest | 32% | 12/13/2022 |
| Mermelstein, ElisaIndividual | Indirect Ownership Interest | 12% | 12/13/2022 |
| Mermelstein, HowardIndividual | Indirect Ownership Interest | 11% | 12/13/2022 |
| Asghar, IrfanIndividual | Operational / Managerial Control | n/a | 12/13/2022 |
Changes of ownership
| Effective | Buyer | Seller |
|---|---|---|
| May 1, 2017 | Gardner Operations LLC | Morris Healthcare LLC |
HUD Section 232 loans
HUD's Office of Healthcare Programs lists these FHA-insured loans for a project we matched to this facility by name, city and bed count. Status, rate and balance come from HUD's insured-mortgage files as of September 30, 2026. Check the FHA number against the loan documents before relying on the match.
| Endorsed | Program | Original amount | Status | FHA number |
|---|---|---|---|---|
| Mar 30, 2026 | 223(f) refinance or purchaseHUD project name: Gardner Rehabilitation and Nursing Center, 124 beds. Lender at endorsement: Newpoint Real Estate Capital LLC | $12,595,000 | Active: 5.88%, $12,549,114 balanceMatures Apr 1, 2061. Servicer: Newpoint Real Estate Capital | 02322277 |
Sources and dates
Facility, rating, staffing and ownership data: CMS Provider Information and CMS Ownership, processing date September 2026. Private equity, REIT and mortgage-interest flags and changes of ownership: CMS Skilled Nursing Facility All Owners and Change of Ownership files (2026-10-01). FHA-insured loans: HUD Office of Healthcare Programs endorsement database, data run July 8, 2026. How we join them, and what the join can get wrong: methodology.
SNF Register is independent. It is not affiliated with or endorsed by CMS, HUD or FHA. Spotted an error? Write to hello@hudskillednursing.loan.