10 Draper Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 10 Draper Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,130 sqft · built 1920
Lot Size	0.287 acres (12,500 sqft)
Owner	Individual Name on Record
Last Sale	$156,500 (Feb 2017)
Tax Bill	$3,919 (2026)
Deeds & Mortgages	May 2021 Mortgage Jan 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:L-26 B:0001 L:0033`

Property Details

APN / Parcel Number

Primary APN	`M:L-26 B:0001 L:0033`
Alternative APN	`GARD M:M27 B:17 L:33`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,130 sqft Living Area
Gross Area	2,506 sqft
Basement Area	1,058 sqft
Unfinished Basement	1,058 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
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	Oil

Location & Zoning

Street Address	10 DRAPER RD
City	GARDNER
State	MA
Zip	01440-1805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	17
Legal Lot Number	33
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3014
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, as of October 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	10 DRAPER RD, GARDNER, MA 01440-1805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Deed of Trust, Mortgage · Balloon Mortgage FIGURE LENDING LCC
Jan 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Feb 15, 2017	Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2017 · Amount on Record
Deed Sale	Feb 15, 2017 · Amount on Record
Prior Sale	Aug 10, 2016 · Amount on Record
Deed Book / Page	56747 / 389
Transfer Doc	056747-389
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	10 DRAPER RD, GARDNER, MA 01440-1805
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	065156-379
Date	May 13, 2021
Book Page	65156/379
Instrument	66164

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	10 DRAPER RD, GARDNER, MA 01440-1805
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61714-185
Date	Jan 8, 2020
Book Page	61714/185
Instrument	1932

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 15, 2017
Property Address	10 DRAPER RD, GARDNER, MA 01440-1805
Document Number	56747-389
Book / Page	056747 / 000389
Instrument Date	Feb 15, 2017
Instrument	16831
Transaction Type	Transfer
Record Updated	Mar 7, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$713.64
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 DRAPER RD GARDNER MA 014401805, GARDNER, MA 01440-1805

Mortgage

Document Number	56748-1
Date	Feb 15, 2017
Book Page	056748/000001
Instrument	16832

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2047

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
2026	$3,919.00 (+9,948.72%)	$284,600 (+2.56%) Land $77,100 Building $207,500	$316,886 (+6.98%)
2025	$39.00 (-99%)	$277,500 (+6.2%) Land $70,000 Building $207,500	$296,210
2024	$3,917.00 (+7.64%)	$261,300 (+15.82%) Land $63,700 Building $197,600
2023	$3,639.00	$225,600 Land $62,800 Building $162,800

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 380 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Gateway Fiber Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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