Worcester County and Gardner City property record for 105 Sand St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 988 sqft · built 1956 |
| Lot Size | 0.165 acres (7,205 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (Nov 2023) |
| Tax Bill | $4,438 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Nov 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:M-27 B:0040 L:0023 |
| Primary APN | M:M-27 B:0040 L:0023 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| Gross Area | 2,305 sqft |
| Basement Area | 676 sqft |
| Unfinished Basement | 676 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,205 sqft (0.165 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 105 SAND ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1939 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 13 |
| Legal Lot Number | 23 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 707400 |
105 Sand St is owned and occupied by two individuals who bought it in November 2023.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 105 SAND ST, GARDNER, MA 01440-1939 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MASSACHUSETTS HOUSING FINANCE AGENCY |
| Nov 9, 2023 | Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2023 · Amount on File |
| Deed Sale | Nov 9, 2023 · Amount on File |
| Deed Book / Page | 69864 / 300 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 105 SAND ST, GARDNER, MA 01440-1939 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 073339-202 |
|---|---|
| Date | Mar 20, 2026 |
| Book Page | 73339/202 |
| Instrument | 21337 |
| Name | MASSACHUSETTS HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Nov 9, 2023 |
| Property Address | 105 SAND ST, GARDNER, MA 01440-1939 |
| Document Number | 069864-300 |
| Book / Page | 69864 / 300 |
| Instrument Date | Nov 9, 2023 |
| Instrument | 94018 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 105 SAND ST, GARDNER, MA 01440-1939 |
| Document Number | 0000094019 |
|---|---|
| Date | Nov 9, 2023 |
| Instrument | 94019 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 105 Sand St was $4,438, up 9,986.4% from the year before.
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 | $4,438.00 (+9,986.36%) | $322,300 (+4.81%) Land $73,600 Building $248,700 | $364,209 (+19.88%) |
| 2025 | $44.00 (-98.99%) | $307,500 (+6.18%) Land $66,900 Building $240,600 | $303,810 |
| 2024 | $4,341.00 (+6.32%) | $289,600 (+14.42%) Land $60,800 Building $228,800 | |
| 2023 | $4,083.00 | $253,100 Land $59,900 Building $193,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 Sand St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 105 Sand St is low, with a 0.01% annual chance of 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.
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 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 |
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