112 Kelton St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 112 Kelton St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,872 sqft · built 2000
Lot Size	4.34 acres (189,373 sqft)
Owner	2 Individual Names on File
Last Sale	$171,965 (Apr 2000)
Tax Bill	$6,526 (2026)
Deeds & Mortgages	Jun 2025 Line of Credit Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:R-37 B:0004A L:0020A`

Property Details

APN / Parcel Number

Primary APN	`M:R-37 B:0004A L:0020A`
Alternative APN	`GARD M:R37 B:8 L:20A`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
Gross Area	3,768 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	189,373 sqft (4.34 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	112 KELTON ST
City	GARDNER
State	MA
Zip	01440-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	SURVEYED KYMALAINEN REALTY
Legal Block	8
Legal Lot Number	20A
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1011
Census Tract	707500

Owner

112 Kelton St is owned and occupied by two individuals who bought it in April 2000.

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

Owner of Record	2 Individual Names on File
Mailing Address	112 KELTON ST, GARDNER, MA 01440-1126
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
Jun 23, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2000 · Amount on File
Deed Sale	Apr 21, 2000 · Amount on File
Prior Sale	Dec 30, 1999 · Amount on File
Deed Book / Page	22510 / 397
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	112 KELTON ST, GARDNER, MA 01440-1126
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072152-24
Date	Jun 23, 2025
Book Page	72152/24
Instrument	50472

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	112 KELTON ST, GARDNER, MA 01440-1126
Document Number	60594-61
Instrument Date	Jun 18, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	112 KELTON ST GARDNER MA 014401126, GARDNER, MA 01440-1126

Mortgage

Document Number	60594-61
Date	Jun 24, 2019
Book Page	060594/000061
Instrument	58593

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 23, 2039

Tax Assessment & Valuation

The 2026 property tax bill for 112 Kelton St was $6,526, up 8.1% 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	$6,526.00 (+8.12%)	$473,900 (+12.75%) Land $86,900 Building $387,000	$449,958 (-12.98%)
2025	$6,036.00 (-4.46%)	$420,300 (-0.28%) Land $80,200 Building $340,100	$517,085
2024	$6,318.00 (+5.97%)	$421,500 (+14.04%) Land $74,300 Building $347,200
2023	$5,962.00	$369,600 Land $70,400 Building $299,200

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

Flood

FEMA maps place 112 Kelton 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 112 Kelton 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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