114 Leo Dr, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 114 Leo Dr, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,569 sqft · built 1997
Lot Size	0.497 acres (21,630 sqft)
Owner	2 Individual Names on File
Last Sale	$313,000 (Mar 2015)
Tax Bill	$72 (2025)
Deeds & Mortgages	May 2021 Refinance Aug 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:H37 B:24 L:5`

Property Details

APN / Parcel Number

Primary APN	`GARD M:H37 B:24 L:5`
Alternative APN	`M:I-36 B:0009 L:0005`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,569 sqft Living Area
Gross Area	5,247 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,630 sqft (0.497 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	114 LEO DR
City	GARDNER
State	MA
Zip	01440-1214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	ALFRED E CHICOINE SEC 02
Legal Block	24
Legal Lot Number	5
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1010
Census Tract	707400

Owner

Source: Worcester County and Gardner City records · APN GARD M:H37 B:24 L:5

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	114 LEO DR, GARDNER, MA 01440-1214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Aug 23, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Jul 28, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Aug 17, 2019	Deed of Trust, Mortgage · FHA Mortgage QUAD CTY BK&TR
Dec 23, 2016	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 03, 2015 · Amount on Record
Deed Sale	Mar 03, 2015 · Amount on Record
Prior Sale	Nov 20, 1997 · Amount on Record
Deed Book / Page	53425 / 291
Transfer Doc	1936000228
Record Updated	Jun 08, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	114 LEO DR, GARDNER, MA 01440-1214
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065172-319
Date	May 14, 2021
Book Page	65172/319
Instrument	67282

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	114 LEO DR, GARDNER, MA 01440-1214
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068106-304
Date	Aug 23, 2022
Book Page	68106/304
Instrument	92668

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Sep 01, 2027

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	114 LEO DR, GARDNER, MA 01440-1214
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62898-82
Date	Jul 28, 2020
Book Page	62898/82
Instrument	82275

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	114 LEO DR, GARDNER, MA 01440-1214
Document Number	60924-347
Instrument Date	Aug 17, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	114 LEO DR GARDNER MA 014401214, GARDNER, MA 01440-1214

Mortgage

Document Number	60924-347
Date	Aug 23, 2019
Book Page	060924/000347
Instrument	84786

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2049

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	114 LEO DR, GARDNER, MA 01440-1214
Document Number	56588-156
Book / Page	056588 / 000156
Instrument Date	Dec 23, 2016
Transaction Type	Mortgage
Record Updated	Jan 31, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56588-156
Date	Jan 09, 2017
Book Page	056588/000156
Instrument	2771

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 08, 2037

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$72.00 (-99.05%)	$504,400 (-0.41%) Land $83,000 Building $421,400	$555,370
2024	$7,592.00 (+6.03%)	$506,500 (+14.1%) Land $75,500 Building $431,000
2023	$7,160.00	$443,900 Land $74,400 Building $369,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277074001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016, rainfall accumulation

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 152 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Gateway Fiber Holdings	Fiber	2,000 / 2,000
Xfinity	Cable	1,200 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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