Worcester County and Gardner City property record for 104 Stephanie Dr, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,728 sqft · built 1997 |
| Lot Size | 0.631 acres (27,490 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $183,000 (May 2009) |
| Tax Bill | $5,814 (2026) |
| Deeds & Mortgages | Jul 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R17 B:16 L:5 |
| Primary APN | GARD M:R17 B:16 L:5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,728 sqft Living Area |
| Gross Area | 2,732 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 27,490 sqft (0.631 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 104 STEPHANIE DR |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-8212 |
| 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 | 1 |
| Census Block | 1006 |
| Census Tract | 707100 |
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 | 104 STEPHANIE DR, GARDNER, MA 01440-8212 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2009 · Amount on Record |
| Deed Sale | May 1, 2009 · Amount on Record |
| Prior Sale | Jan 12, 2009 · Amount on Record |
| Deed Document Number | 200947011 |
| Deed Book / Page | 44171 / 386 |
| Transfer Doc | 43665-25 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 104 STEPHANIE DR, GARDNER, MA 01440-8212 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 065613-236 |
|---|---|
| Date | Jul 14, 2021 |
| Book Page | 65613/236 |
| Instrument | 97991 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,814.00 (+10,869.81%) | $422,200 (+14.11%) Land $86,700 Building $335,500 | $453,803 (+6.39%) |
| 2025 | $53.00 (-99.05%) | $370,000 (-0.51%) Land $78,800 Building $291,200 | $426,550 |
| 2024 | $5,575.00 (+7.54%) | $371,900 (+15.71%) Land $71,700 Building $300,200 | |
| 2023 | $5,184.00 | $321,400 Land $70,600 Building $250,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
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 | Indirect within 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 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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