Worcester County and Gardner City property record for 101 Pelley St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 1,912 sqft · built 1922 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $275,000 (Sep 2021) |
| Tax Bill | $47 (2025) |
| Deeds & Mortgages | Feb 2021 Refinance Sep 2019 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:M-27 B:0027 L:0038 |
| Primary APN | M:M-27 B:0027 L:0038 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,912 sqft Living Area |
| Gross Area | 4,646 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 101 PELLEY ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1935 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Block | 13 |
| Legal Lot Number | 38 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 707400 |
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 | Individual Name on File |
|---|---|
| Mailing Address | 101 PELLEY ST, GARDNER, MA 01440-1935 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 25, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ATHOL SAVINGS BANK |
| Sep 30, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU |
| Sep 7, 2021 | Quit Claim Deed, Transfer · FHA Mortgage CITIZENS BANK OF RHODE ISLAND |
| Sep 30, 2019 | Grant Deed, Mortgage HANSCOM FCU |
| Aug 11, 2017 | Quit Claim Deed, Transfer · Commercial Mortgage LOWELL FIVE CENTS SAVINGS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 7, 2021 · Amount on Record |
| Deed Sale | Sep 7, 2021 · Amount on Record |
| Prior Sale | Aug 11, 2017 |
| Deed Book / Page | 66001 / 251 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 101 PELLEY ST, GARDNER, MA 01440-1935 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 064552-359 |
|---|---|
| Date | Feb 25, 2021 |
| Book Page | 64552/359 |
| Instrument | 26824 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 101 PELLEY ST, GARDNER, MA 01440-1935 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 061141-149 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 61141/149 |
| Instrument | 101538 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Sep 7, 2021 |
| Property Address | 101 PELLEY ST, GARDNER, MA 01440-1935 |
| Document Number | 66001-251 |
| Book / Page | 66001 / 251 |
| Instrument Date | Sep 3, 2021 |
| Instrument | 125275 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 101 PELLEY ST, GARDNER, MA 01440-1935 |
| Document Number | 125276 |
|---|---|
| Date | Sep 7, 2021 |
| Instrument | 125276 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Sep 30, 2019 |
| Property Address | 101 PELLEY ST, GARDNER, MA 01440-1935 |
| Book / Page | 061141 / 000126 |
| Instrument Date | Sep 27, 2019 |
| Instrument | 101537 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 23 ALDRICH ST SOMERVILLE MA 021453902, SOMERVILLE, MA 02145-3902 |
| Document Number | 61141-126 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 061141/000126 |
| Instrument | 101537 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Aug 11, 2017 |
| Property Address | 101 PELLEY ST, GARDNER, MA 01440-1935 |
| Document Number | 57565-129 |
| Book / Page | 57565 / 129 |
| Instrument | 87231 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $25.89 |
|---|---|
| Amount Accuracy | Non-Arm's Length Transaction |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 101 PELLEY ST, GARDNER, MA 01440-1935 |
| Document Number | 057565-132 |
|---|---|
| Date | Aug 11, 2017 |
| Book Page | 57565/132 |
| Instrument | 87232 |
| Name | LOWELL FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $47.00 (-98.98%) | $327,900 (+6.91%) Land $65,600 Building $262,300 |
| 2024 | $4,597.00 (+3%) | $306,700 (+10.84%) Land $59,700 Building $247,000 |
| 2023 | $4,463.00 | $276,700 Land $58,800 Building $217,900 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · rainfall accumulation |
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.
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.
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 |
| 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.
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 |
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