104 Douglas Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 104 Douglas Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,748 sqft · built 1951
Lot Size	0.287 acres (12,500 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Dec 2023)
Tax Bill	$57 (2025)
Deeds & Mortgages	Aug 2023 Refinance Dec 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:K-25 B:0011 L:0032`

Property Details

APN / Parcel Number

Primary APN	`M:K-25 B:0011 L:0032`
Alternative APN	`GARD M:M27 B:21 L:32`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,748 sqft Living Area
Gross Area	3,330 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,500 sqft (0.287 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	104 DOUGLAS RD
City	GARDNER
State	MA
Zip	01440-1860
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	21
Legal Lot Number	32
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	104 DOUGLAS RD, GARDNER, MA 01440-1860
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Dec 14, 2023	Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Nov 2, 2022	Quit Claim Deed, Transfer
Jan 3, 2018	Quit Claim Deed, Transfer AMERICAN NGBD MTG ACC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2023 · Amount on Record
Deed Sale	Dec 14, 2023 · Amount on Record
Prior Sale	Nov 2, 2022 · Amount on Record
Deed Book / Page	69991 / 297
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	104 DOUGLAS RD, GARDNER, MA 01440-1860
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069569-363
Date	Aug 28, 2023
Book Page	69569/363
Instrument	70911

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 14, 2023
Property Address	104 DOUGLAS RD, GARDNER, MA 01440-1860
Document Number	069991-297
Book / Page	69991 / 297
Instrument Date	Dec 14, 2023
Instrument	104516
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	104 DOUGLAS RD, GARDNER, MA 01440-1860

Mortgage

Document Number	0000104517
Date	Dec 14, 2023
Instrument	104517

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 2, 2022
Property Address	104 DOUGLAS RD, GARDNER, MA 01440-1860
Document Number	068438-165
Book / Page	68438 / 165
Instrument Date	Oct 19, 2022
Instrument	118576
Transaction Type	Transfer
Record Updated	Nov 18, 2022

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	104 DOUGLAS RD, GARDNER, MA 01440-1860

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 3, 2018
Property Address	104 DOUGLAS RD, GARDNER, MA 01440-1860
Document Number	58279-389
Book / Page	58279 / 389
Instrument	863
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38.46
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 DOUGLAS RD, GARDNER, MA 01440-1860

Mortgage

Document Number	582800001
Date	Jan 3, 2018
Instrument	58280/0001

Lender

Name	AMERICAN NGBD MTG ACC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2048

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	$57.00 (-99%)	$398,400 (+4.54%) Land $70,000 Building $328,400	$396,625
2024	$5,713.00 (+17.12%)	$381,100 (+26.03%) Land $63,700 Building $317,400
2023	$4,878.00	$302,400 Land $62,800 Building $239,600

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 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

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