109 Edgell St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 109 Edgell St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,320 sqft · built 1840
Lot Size	0.149 acres (6,508 sqft)
Owner	Individual Name on Record
Last Sale	$127,000 (Jun 1998)
Tax Bill	$4,748 (2026)
Deeds & Mortgages	Jan 2017 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:S-25 B:0016 L:0011`

Property Details

APN / Parcel Number

Primary APN	`M:S-25 B:0016 L:0011`
Alternative APN	`GARD M:R27 B:24 L:11`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,320 sqft Living Area
Gross Area	4,236 sqft
Basement Area	1,464 sqft
Unfinished Basement	1,464 sqft

Exterior

Year Built	Built 1840
Effective Year Built	Effective 1840
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,508 sqft (0.149 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	109 EDGELL ST
City	GARDNER
State	MA
Zip	01440-2331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	11
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3008
Census Tract	707500

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	109 EDGELL ST, GARDNER, MA 01440-2331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2017	Deed of Trust, Mortgage BERKSHIRE BANK
Aug 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage ROLLSTONE BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 1998 · Amount on Record
Deed Sale	Jun 18, 1998 · Amount on Record
Deed Book / Page	20075 / 369
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	109 EDGELL ST, GARDNER, MA 01440-2331
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56618-338
Date	Jan 17, 2017
Book Page	56618/338
Instrument	5515

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2032

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	109 EDGELL ST, GARDNER, MA 01440-2331
Document Number	60959-296
Instrument Date	Aug 24, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 EDGELL ST GARDNER MA 014402331, GARDNER, MA 01440-2331

Mortgage

Document Number	60959-296
Date	Aug 29, 2019
Book Page	060959/000296
Instrument	87490

Lender

Name	ROLLSTONE BK&TR
Type	Bank

Agreement

Type	Conventional 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	$4,748.00 (+10,451.11%)	$344,800 (+8.02%) Land $80,400 Building $264,400	$393,360 (+6.31%)
2025	$45.00 (-99.03%)	$319,200 (+3.5%) Land $73,100 Building $246,100	$370,025
2024	$4,623.00 (+2.19%)	$308,400 (+9.95%) Land $66,500 Building $241,900
2023	$4,524.00	$280,500 Land $65,500 Building $215,000

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
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	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 244 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

May also be available: Verizon.

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