116 Stone St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 116 Stone St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,025 sqft · built 2000
Lot Size	3.41 acres (148,862 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Jul 2020)
Tax Bill	$61 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Jul 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:R-42 B:0002A L:0005A`

Property Details

APN / Parcel Number

Primary APN	`M:R-42 B:0002A L:0005A`
Alternative APN	`GARD M:R42 B:22 L:5A`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,025 sqft Living Area
Gross Area	4,390 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	148,862 sqft (3.41 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	116 STONE ST
City	GARDNER
State	MA
Zip	01440-1142
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	22
Legal Lot Number	5A
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1002
Census Tract	707500

Owner

Source: Worcester County and Gardner City assessment roll, as of April 14, 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 File
Mailing Address	116 STONE ST, GARDNER, MA 01440-1142
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2020	Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES
Jul 14, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 22, 2020 · Amount on Record
Deed Sale	Jul 22, 2020 · Amount on Record
Prior Sale	Nov 28, 2000 · Amount on Record
Deed Document Number	202079341
Deed Book / Page	62852 / 14
Record Updated	Jun 8, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 22, 2020
Property Address	116 STONE ST, GARDNER, MA 01440-1142
Document Number	62852-14
Book / Page	62852 / 14
Instrument Date	Jul 22, 2020
Instrument	79341
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	116 STONE ST, GARDNER, MA 01440-1142

Mortgage

Document Number	79342
Date	Jul 22, 2020
Instrument	79342

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 14, 2020
Property Address	116 STONE ST, GARDNER, MA 01440-1142
Document Number	62790-281
Book / Page	062790 / 000281
Instrument Date	Jul 13, 2020
Instrument	75411
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 STONE ST GARDNER MA 014401142, GARDNER, MA 01440-1142

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
2025	$61.00 (-99.04%)	$428,300 (+0.61%) Land $97,200 Building $331,100	$529,625
2024	$6,381.00 (+5.19%)	$425,700 (+13.19%) Land $89,400 Building $336,300
2023	$6,066.00	$376,100 Land $86,200 Building $289,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Direct burnable vegetation at the parcel

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

4G LTE (outdoors only), no 5G reported

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