105 Conant St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 105 Conant St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,400 sqft · built 1927
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$455,000 (Feb 2026)
Tax Bill	$5,290 (2026)
Deeds & Mortgages	Feb 2026 Second Mortgage Feb 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GARD-R17 2 7`

Property Details

APN / Parcel Number

Primary APN	`GARD-R17 2 7`
Alternative APNs	`M:Q-19 B:0046 L:0007` `GARD M:R17 B:2 L:7`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,400 sqft Living Area
Gross Area	5,172 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Old Parcel Number	GARD-R17 2 7
Street Address	105 CONANT ST
City	GARDNER
State	MA
Zip	01440-3115
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Block	2
Legal Lot Number	7
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2012
Census Tract	707100

Owner

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	105 CONANT ST, GARDNER, MA 01440-3115
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EMBRACE HOME LOANS INC
Feb 12, 2026	Quit Claim Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Jul 28, 2025	Quit Claim Deed, Transfer · Stand-Alone Refinance KIAVI FUNDING INC
Dec 14, 2017	Quit Claim Deed, Transfer Quitclaim
Aug 28, 2017	Quit Claim Deed, Transfer SALEM FIVE MTG CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2026 · Amount on Record
Deed Sale	Feb 12, 2026 · Amount on Record
Prior Sale	Jul 28, 2025 · Amount on Record
Deed Document Number	202611374
Deed Book / Page	73193 / 338
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	105 CONANT ST, GARDNER, MA 01440-3115
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073193-368
Date	Feb 12, 2026
Book Page	73193/368
Instrument	11376

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2041

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 12, 2026
Property Address	105 CONANT ST, GARDNER, MA 01440-3115
Document Number	073193-338
Book / Page	73193 / 338
Instrument Date	Feb 12, 2026
Instrument	11374
Transaction Type	Transfer
Record Updated	Jul 1, 2026

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	105 CONANT ST, GARDNER, MA 01440-3115

Mortgage

Document Number	0000011375
Date	Feb 12, 2026
Instrument	11375

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Mortgage

Document Number	073193-368
Date	Feb 12, 2026
Book Page	73193/368
Instrument	11376

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2041

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 28, 2025
Property Address	105 CONANT ST, GARDNER, MA 01440-3115
Document Number	072312-155
Book / Page	72312 / 155
Instrument Date	Jul 25, 2025
Instrument	62074
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
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	4 STUART RD, STERLING, MA 01564-2211

Mortgage

Document Number	0000062075
Date	Jul 28, 2025
Instrument	62075

Lender

Name	KIAVI FUNDING INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 14, 2017
Property Address	105 CONANT ST, GARDNER, MA 01440-3115
Document Number	58184-249
Book / Page	058184 / 000249
Instrument Date	Dec 12, 2017
Instrument	139783
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	40 BIRKDALE RD BEDFORD NH 031104300, BEDFORD, NH 03110-4300

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 28, 2017
Property Address	105 CONANT ST, GARDNER, MA 01440-3115
Document Number	57645-364
Book / Page	57645 / 364
Instrument	94008
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29.92
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	576450369
Date	Aug 28, 2017
Instrument	57645/0369

Lender

Name	SALEM FIVE MTG CO

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2047

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	$5,290.00 (+7%)	$384,200 (+11.59%) Land $83,100 Building $301,100	$427,448
2025	$4,944.00 (+4.7%)	$344,300 (+9.3%) Land $75,500 Building $268,800
2024	$4,722.00 (+0.7%)	$315,000 (+8.36%) Land $68,700 Building $246,300
2023	$4,689.00	$290,700 Land $67,700 Building $223,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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.

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	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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber, Verizon.

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