111 Peabody St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 111 Peabody St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,311 sqft · built 1880
Lot Size	0.251 acres (10,927 sqft)
Owner	2 Individual Names on File
Last Sale	$262,900 (Sep 2022)
Tax Bill	$4,818 (2026)
Deeds & Mortgages	Jul 2024 Mortgage Sep 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:11 L:5`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:11 L:5`
Alternative APN	`M:P-22 B:0031 L:0005`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,311 sqft Living Area
Gross Area	4,124 sqft
Basement Area	1,284 sqft
Unfinished Basement	1,284 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,927 sqft (0.251 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	111 PEABODY ST
City	GARDNER
State	MA
Zip	01440-2711
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Block	11
Legal Lot Number	5
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1008
Census Tract	707200

Owner

111 Peabody St, a duplex, is owned and occupied by two individuals who acquired it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	111 PEABODY ST, GARDNER, MA 01440-2711
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) LOWELL COMMUNITY LOAN FUND INC
Sep 22, 2023	Deed, Transfer
Sep 16, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Oct 10, 2017	Deed of Trust, Mortgage GFA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2022 · Amount on File
Deed Sale	Sep 16, 2022 · Amount on File
Deed Book / Page	68224 / 65
Last Transfer Date	Sep 21, 2023
Transfer Doc	069672-230
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	111 PEABODY ST, GARDNER, MA 01440-2711
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070715-212
Date	Jul 2, 2024
Book Page	70715/212
Instrument	51397

Lender

Name	LOWELL COMMUNITY LOAN FUND INC

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 22, 2023
Property Address	111 PEABODY ST, GARDNER, MA 01440-2711
Document Number	069672-230
Book / Page	69672 / 230
Instrument Date	Sep 21, 2023
Instrument	78941
Transaction Type	Transfer
Record Updated	Oct 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	111 PEABODY ST, GARDNER, MA 01440-2711

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 16, 2022
Property Address	111 PEABODY ST, GARDNER, MA 01440-2711
Document Number	0068224-65
Book / Page	68224 / 65
Instrument Date	Sep 16, 2022
Instrument	101903
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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	51 OLD CITY RD # B, B, TOWNSEND, MA 01474-1127

Mortgage

Document Number	0000101904
Date	Sep 16, 2022
Instrument	101904

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	111 PEABODY ST, GARDNER, MA 01440-2711
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57859-340
Date	Oct 10, 2017
Book Page	57859/340
Instrument	111973

Lender

Name	GFA FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 111 Peabody St was $4,818, up 11,104.7% from the year before.

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	$4,818.00 (+11,104.65%)	$349,900 (+15.59%) Land $76,000 Building $273,900	$388,938
2025	$43.00 (-98.94%)	$302,700 (+11.41%) Land $69,100 Building $233,600
2024	$4,073.00 (-4.28%)	$271,700 (+2.99%) Land $62,800 Building $208,900
2023	$4,255.00	$263,800 Land $61,900 Building $201,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 111 Peabody 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

Wildfire risk around 111 Peabody 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.

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 388 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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