Worcester County and Gardner City property record for 11 Yale St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,349 sqft · built 1968 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (May 2025) |
| Tax Bill | $4,236 (2026) |
| Deeds & Mortgages | May 2025 Sale & Mortgage Oct 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M17 B:4 L:13 |
| Primary APN | GARD M:M17 B:4 L:13 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,349 sqft Living Area |
| Gross Area | 3,348 sqft |
| Basement Area | 1,349 sqft |
| Unfinished Basement | 1,349 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,000 sqft (0.23 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 11 YALE ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2826 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 4 |
| Legal Lot Number | 13 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 707300 |
11 Yale St is owned and occupied by an individual who bought it in May 2025.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11 YALE ST, GARDNER, MA 01440-2826 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| May 15, 2025 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC |
| Oct 5, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Jun 12, 2020 | Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 15, 2025 · Amount on File |
| Deed Sale | May 15, 2025 · Amount on File |
| Prior Sale | Jun 12, 2020 · Amount on File |
| Deed Book / Page | 71989 / 224 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | May 15, 2025 |
| Property Address | 11 YALE ST, GARDNER, MA 01440-2826 |
| Document Number | 071989-224 |
| Book / Page | 71989 / 224 |
| Instrument Date | May 15, 2025 |
| Instrument | 38539 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 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 |
|---|---|
| Address | 11 YALE ST, GARDNER, MA 01440-2826 |
| Document Number | 0000038540 |
|---|---|
| Date | May 15, 2025 |
| Instrument | 38540 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 5, 2020 |
| Property Address | 11 YALE ST, GARDNER, MA 01440-2826 |
| Document Number | 63415-261 |
| Book / Page | 063415 / 000261 |
| Instrument Date | Sep 17, 2020 |
| Instrument | 116808 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 YALE ST GARDNER MA 014402826, GARDNER, MA 01440-2826 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 12, 2020 |
| Property Address | 11 YALE ST, GARDNER, MA 01440-2826 |
| Document Number | 62582-129 |
| Book / Page | 62582 / 129 |
| Instrument Date | Jun 12, 2020 |
| Instrument | 61637 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| 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 |
|---|---|
| Address | 11 YALE ST, GARDNER, MA 01440-2826 |
| Document Number | 61638 |
|---|---|
| Date | Jun 12, 2020 |
| Instrument | 61638 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 11 Yale St was $4,236, up 0.6% 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 | $4,236.00 (+0.62%) | $307,600 (+4.91%) Land $75,400 Building $232,200 | $354,507 (-10.04%) |
| 2025 | $4,210.00 (-0.75%) | $293,200 (+3.6%) Land $68,500 Building $224,700 | $394,060 |
| 2024 | $4,242.00 (+8.1%) | $283,000 (+16.32%) Land $62,300 Building $220,700 | |
| 2023 | $3,924.00 | $243,300 Land $61,400 Building $181,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Yale St in Zone X, an area of minimal flood risk.
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 | 4 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 risk around 11 Yale 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 446 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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