10 Myrtle Rd, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,420 sqft · built 1945
Lot Size	0.154 acres (6,714 sqft)
Owner	Individual Name on Record
Last Sale	$383,000 (Dec 2024)
Tax Bill	$43 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Dec 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:K-25 B:0007 L:0026`

Property Details

APN / Parcel Number

Primary APN	`M:K-25 B:0007 L:0026`
Alternative APN	`GARD M:M27 B:21 L:26`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,420 sqft Living Area
Gross Area	2,849 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,714 sqft (0.154 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	10 MYRTLE RD
City	GARDNER
State	MA
Zip	01440-1827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PLACE HOUSE
Legal Block	21
Legal Lot Number	26
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3012
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, 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	Individual Name on Record
Mailing Address	10 MYRTLE RD, GARDNER, MA 01440-1827
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Line of Credit GFA FEDERAL CREDIT UNION
Dec 20, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TRIANGLE CREDIT UNION
Mar 29, 2017	Deed of Trust, Mortgage MA REG'L LEAD HAZA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2024 · Amount on Record
Deed Sale	Dec 20, 2024 · Amount on Record
Prior Sale	Oct 16, 2015 · Amount on Record
Deed Book / Page	71449 / 36
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	10 MYRTLE RD, GARDNER, MA 01440-1827
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064784-256
Date	Mar 29, 2021
Book Page	64784/256
Instrument	42233

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

Interest

Rate Type	Adjustable Rate

December 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 20, 2024
Property Address	10 MYRTLE RD, GARDNER, MA 01440-1827
Document Number	0071449-36
Book / Page	71449 / 36
Instrument Date	Dec 20, 2024
Instrument	106598
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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 MYRTLE RD, GARDNER, MA 01440-1827

Mortgage

Document Number	0000106599
Date	Dec 20, 2024
Instrument	106599

Lender

Name	TRIANGLE CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Type Change Date	Jan 1, 2030
Max Rate At Change	2.5%
Index	5-Year CMT

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	10 MYRTLE RD, GARDNER, MA 01440-1827
Document Number	57062-205
Book / Page	057062 / 000205
Instrument Date	Mar 29, 2017
Transaction Type	Mortgage
Record Updated	Nov 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57062-205
Date	May 3, 2017
Book Page	057062/000205
Instrument	44453

Lender

Name	MA REG'L LEAD HAZA

Agreement

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	$43.00 (-99.01%)	$300,800 (+3.98%) Land $66,600 Building $234,200	$353,115
2024	$4,337.00 (+7.94%)	$289,300 (+16.14%) Land $60,600 Building $228,700
2023	$4,018.00	$249,100 Land $59,700 Building $189,400

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 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Nearby Properties on Myrtle Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures