11 Sand St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 11 Sand St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,296 sqft · built 1900
Lot Size	0.143 acres (6,230 sqft)
Owner	Individual Name on Record
Last Sale	$172,000 (Oct 2003)
Tax Bill	$4,130 (2026)
Deeds & Mortgages	Jan 2023 Refinance Sep 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:M-25 B:0054 L:0026`

Property Details

APN / Parcel Number

Primary APN	`M:M-25 B:0054 L:0026`
Alternative APN	`GARD M:M27 B:23 L:26`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,296 sqft Living Area
Gross Area	2,469 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,230 sqft (0.143 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	11 SAND ST
City	GARDNER
State	MA
Zip	01440-2113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	23
Legal Lot Number	26
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2004
Census Tract	707400

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	11 SAND ST, GARDNER, MA 01440-2113
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION
Sep 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Mar 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
May 18, 2019	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU
Feb 15, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2003 · Amount on Record
Deed Sale	Oct 31, 2003 · Amount on Record
Prior Sale	Nov 9, 1992 · Amount on Record
Deed Document Number	2003291495
Deed Book / Page	32128 / 97
Transfer Doc	53304-22
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	11 SAND ST, GARDNER, MA 01440-2113
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068704-86
Date	Jan 10, 2023
Book Page	68704/86
Instrument	2438

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	229 Months
Due	Feb 1, 2042

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	11 SAND ST, GARDNER, MA 01440-2113
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66003-347
Date	Sep 7, 2021
Book Page	66003/347
Instrument	125399

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	11 SAND ST, GARDNER, MA 01440-2113
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62001-100
Date	Mar 5, 2020
Book Page	62001/100
Instrument	23828

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2040

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	11 SAND ST, GARDNER, MA 01440-2113
Document Number	60444-263
Instrument Date	May 18, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 SAND ST GARDNER MA 014402113, GARDNER, MA 01440-2113

Mortgage

Document Number	60444-263
Date	May 23, 2019
Book Page	060444/000263
Instrument	46524

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 22, 2039

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	11 SAND ST, GARDNER, MA 01440-2113
Document Number	56766-102
Book / Page	056766 / 000102
Instrument Date	Feb 15, 2017
Transaction Type	Mortgage
Record Updated	Mar 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	56766-102
Date	Feb 22, 2017
Book Page	056766/000102
Instrument	18574

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 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	$4,130.00 (+10,489.74%)	$299,900 (+8.23%) Land $69,300 Building $230,600	$330,843 (+5.15%)
2025	$39.00 (-98.99%)	$277,100 (+7.11%) Land $63,000 Building $214,100	$314,640
2024	$3,878.00 (+3.63%)	$258,700 (+11.51%) Land $57,300 Building $201,400
2023	$3,742.00	$232,000 Land $56,400 Building $175,600

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
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 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 519 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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