10 Jay St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 10 Jay St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 1910
Lot Size	0.14 acres (6,090 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (May 2023)
Tax Bill	$41 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:P-22 B:0001 L:0040`

Property Details

APN / Parcel Number

Primary APN	`M:P-22 B:0001 L:0040`
Alternative APN	`GARD M:R22 B:16 L:40`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,320 sqft Living Area
Gross Area	3,126 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Asbestos
Roof Type	Gable
Roof Material	Slate
Lot Area	6,090 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	10 JAY ST
City	GARDNER
State	MA
Zip	01440-2726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	16
Legal Lot Number	40
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1010
Census Tract	707200

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 JAY ST, GARDNER, MA 01440-2726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK
May 22, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage KEYSTONE FUNDING

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 22, 2023 · Amount on Record
Deed Sale	May 22, 2023 · Amount on Record
Prior Sale	Nov 10, 2008 · Amount on Record
Deed Book / Page	69158 / 299
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	10 JAY ST, GARDNER, MA 01440-2726
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067496-86
Date	Apr 27, 2022
Book Page	67496/86
Instrument	45726

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2042

Interest

Rate Type	Adjustable Rate

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 22, 2023
Property Address	10 JAY ST, GARDNER, MA 01440-2726
Document Number	069158-299
Book / Page	69158 / 299
Instrument Date	May 22, 2023
Instrument	39157
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	Joint Tenants with Right of Survivorship
Address	10 JAY ST, GARDNER, MA 01440-2726

Mortgage

Document Number	0000039158
Date	May 22, 2023
Instrument	39158

Lender

Name	KEYSTONE FUNDING

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$41.00 (-98.98%)	$288,900 (+7.28%) Land $66,200 Building $222,700	$315,970
2024	$4,037.00 (+2.67%)	$269,300 (+10.46%) Land $60,200 Building $209,100
2023	$3,932.00	$243,800 Land $59,300 Building $184,500

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

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

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

May also be available: Verizon.

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