103 Douglas Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 103 Douglas Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 940 sqft · built 1955
Lot Size	0.152 acres (6,630 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Nov 2019)
Tax Bill	$3,812 (2026)
Deeds & Mortgages	Jan 2022 Refinance Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:16 L:5`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:16 L:5`
Alternative APN	`M:K-26 B:0018 L:0005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	940 sqft Living Area
Gross Area	2,482 sqft
Basement Area	940 sqft
Unfinished Basement	940 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,630 sqft (0.152 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	103 DOUGLAS RD
City	GARDNER
State	MA
Zip	01440-1861
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	16
Legal Lot Number	5
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3011
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	103 DOUGLAS RD, GARDNER, MA 01440-1861
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance STEARNS LENDING INC
Nov 13, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2019 · Amount on Record
Deed Sale	Nov 13, 2019 · Amount on Record
Prior Sale	Jan 29, 2015 · Amount on Record
Deed Document Number	2019121660
Deed Book / Page	61407 / 370
Prior Transfer Date	Nov 6, 2019
Prior Transfer Doc	61407-370
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	103 DOUGLAS RD, GARDNER, MA 01440-1861
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066944-47
Date	Jan 14, 2022
Book Page	66944/47
Instrument	5424

Lender

Name	STEARNS LENDING INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2042

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 13, 2019
Property Address	103 DOUGLAS RD, GARDNER, MA 01440-1861
Document Number	61407-370
Book / Page	61407 / 370
Instrument Date	Nov 6, 2019
Instrument	121660
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 DOUGLAS RD, GARDNER, MA 01440-1861

Mortgage

Document Number	121661
Date	Nov 13, 2019
Instrument	121661

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

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
2026	$3,812.00 (+10,202.7%)	$276,800 (+5.13%) Land $73,200 Building $203,600	$311,945 (+17.78%)
2025	$37.00 (-98.99%)	$263,300 (+7.34%) Land $66,500 Building $196,800	$264,860
2024	$3,677.00 (+7.42%)	$245,300 (+15.6%) Land $60,500 Building $184,800
2023	$3,423.00	$212,200 Land $59,600 Building $152,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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