10 Ames Ave, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 10 Ames Ave, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,218 sqft · built 1961
Lot Size	0.287 acres (12,500 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Jun 2023)
Tax Bill	$51 (2025)
Deeds & Mortgages	Mar 2024 Refinance Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-12 B:0009 L:0013`

Property Details

APN / Parcel Number

Primary APN	`M:R-12 B:0009 L:0013`
Alternative APN	`GARD M:R12 B:13 L:13`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,218 sqft Living Area
Gross Area	2,948 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,500 sqft (0.287 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Electric

Location & Zoning

Street Address	10 AMES AVE
City	GARDNER
State	MA
Zip	01440-3506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	13
Legal Lot Number	13
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1038
Census Tract	707100

Owner

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	10 AMES AVE, GARDNER, MA 01440-3506
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Jun 13, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EVOLVE BANK & TRUST
May 15, 2017	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 13, 2023 · Amount on Record
Deed Sale	Jun 13, 2023 · Amount on Record
Prior Sale	Apr 26, 2013 · Amount on Record
Deed Document Number	202346035
Deed Book / Page	69248 / 340
Transfer Doc	57113-68
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	10 AMES AVE, GARDNER, MA 01440-3506
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070339-33
Date	Mar 29, 2024
Book Page	70339/33
Instrument	22631

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 13, 2023
Property Address	10 AMES AVE, GARDNER, MA 01440-3506
Document Number	069248-340
Book / Page	69248 / 340
Instrument Date	Jun 13, 2023
Instrument	46035
Transaction Type	Transfer
Record Updated	Jul 3, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10 AMES AVE, GARDNER, MA 01440-3506

Mortgage

Document Number	0000046036
Date	Jun 13, 2023
Instrument	46036

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 15, 2017
Property Address	10 AMES AVE, GARDNER, MA 01440-3506
Document Number	57113-68
Book / Page	057113 / 000068
Instrument Date	Apr 18, 2017
Instrument	48626
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	10 AMES AVE GARDNER MA 014403506, GARDNER, MA 01440-3506

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Gardner City
Unified School District	Gardner School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$51.00 (-98.98%)	$359,800 (+7.63%) Land $70,000 Building $289,800	$376,200
2024	$5,011.00 (+3%)	$334,300 (+10.84%) Land $63,700 Building $270,600
2023	$4,865.00	$301,600 Land $62,800 Building $238,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GARDNER WATER DEPARTMENT serves 21,381 people · EPA ID MA2103000
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jan 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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