101 Union St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 101 Union St, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,264 sqft · built 1900
Lot Size	0.378 acres (16,463 sqft)
Owner	Individual Name on File
Last Sale	$470,000 (Apr 2024)
Tax Bill	$50 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Oct 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:3 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:3 L:2`
Alternative APN	`M:R-14 B:0050 L:0002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,264 sqft Living Area
Gross Area	5,172 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,463 sqft (0.378 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	101 UNION ST
City	GARDNER
State	MA
Zip	01440-3427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1000
Census Tract	707100

Owner

Source: Worcester County and Gardner City records · APN GARD M:R12 B:3 L:2

Assessment roll updated April 14, 2026 · Last verified April 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 UNION ST, GARDNER, MA 01440-3427
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Apr 04, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Oct 23, 2023	Quit Claim Deed, Transfer
Oct 24, 2023	Quit Claim Deed, Transfer
Oct 31, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 04, 2024 · Amount on Record
Deed Sale	Apr 04, 2024 · Amount on Record
Prior Sale	Oct 24, 2023 · Amount on Record
Deed Document Number	2024608
Deed Book / Page	70363 / 194
Record Updated	Jun 08, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 04, 2024
Property Address	101 UNION ST, GARDNER, MA 01440-3427
Document Number	070363-194
Book / Page	70363 / 194
Instrument Date	Apr 04, 2024
Instrument	24608
Transaction Type	Transfer
Record Updated	Apr 19, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	101 UNION ST, GARDNER, MA 01440-3427

Mortgage

Document Number	0000024609
Date	Apr 04, 2024
Instrument	24609

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 23, 2023
Property Address	101 UNION ST, GARDNER, MA 01440-3427
Document Number	0069792-86
Book / Page	69792 / 86
Instrument Date	Oct 23, 2023
Instrument	88300
Transaction Type	Transfer
Record Updated	Nov 10, 2023

Transaction

Amount	Amount Recorded
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
Address	275 GROVE ST # STE2, STE2, AUBURNDALE, MA 02466-2272

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 24, 2023
Property Address	101 UNION ST, GARDNER, MA 01440-3427
Document Number	069793-214
Book / Page	69793 / 214
Instrument Date	Oct 19, 2023
Instrument	88429
Transaction Type	Transfer
Record Updated	Nov 10, 2023

Transaction

Amount	Amount Recorded
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
Address	11 OLD BOSTON RD, TEWKSBURY, MA 01876-1859

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 31, 2017
Property Address	101 UNION ST, GARDNER, MA 01440-3427
Document Number	57969-320
Book / Page	057969 / 000320
Instrument Date	Oct 31, 2017
Instrument	121407
Transaction Type	Transfer
Record Updated	Nov 21, 2017

Transaction

Amount	Amount Recorded
Tax	$1,044.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 UNION ST GARDNER MA 014403427, GARDNER, MA 01440-3427

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$50.00 (-99.02%)	$349,600 (+2.61%) Land $65,200 Building $284,400	$437,570
2024	$5,107.00 (+2.41%)	$340,700 (+10.19%) Land $59,300 Building $281,400
2023	$4,987.00	$309,200 Land $58,500 Building $250,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

101 Union St, Gardner, MA 01440 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2024: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2023: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2023: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Union St

Nearby Streets

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