Worcester County and Gardner City property record for 118 Saunders St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 2003 |
| Square Footage | 2,560 sqft Living Area |
| Lot Size | 180,226 sqft (4.13 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $315,000 (2004) |
| Tax Bill | $69.00 (2025) |
| Primary APN | GARD M:W17 B:8 L:3A |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 10 Rooms |
| Building Area | 2,560 sqft Living Area |
| Gross Area | 4,320 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 180,226 sqft (4.13 acres) |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Street Address | 118 SAUNDERS ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2428 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 8 |
| Legal Lot Number | 3A |
| Jurisdiction | GARDNER MA |
| Minor Civil Division | GARDNER |
| Census Blockgroup | 2 |
| Census Block | 2023 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City records · APN GARD M:W17 B:8 L:3A
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 | Individual Name on File |
|---|---|
| Mailing Address | 118 SAUNDERS ST, GARDNER, MA 01440-2428 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 08, 2026 | Deed of Trust, Mortgage · Stand Alone Second Mortgage GFA FEDERAL CREDIT UNION |
| Mar 15, 2022 | Deed of Trust, Mortgage · Second Mortgage to Cover Down Payment GFA FEDERAL CREDIT UNION |
| Nov 08, 2021 | Deed of Trust, Mortgage · Stand Alone Refinance KWIK MORTAGE CORPORATION |
| Jun 19, 2018 | Deed of Trust, Mortgage · Closed End Mortgage I-C FCU |
| Sep 05, 2019 | Deed of Trust, Mortgage · Line of Credit I-C FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Known Transactions |
|
| Deed Doc Number | 200415891 |
| Deed Book / Page | 32744 / 160 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 118 SAUNDERS ST, GARDNER, MA 01440-2428 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00073062-1 |
|---|---|
| Date | Jan 08, 2026 |
| Book Page | 73062/1 |
| Instrument | 1556 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 01, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 118 SAUNDERS ST, GARDNER, MA 01440-2428 |
| Transaction Type | Mortgage |
| Record Updated | Apr 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 067269-312 |
|---|---|
| Date | Mar 15, 2022 |
| Book Page | 67269/312 |
| Instrument | 29099 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Second Mortgage to Cover Down Payment |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 01, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 118 SAUNDERS ST, GARDNER, MA 01440-2428 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66474-34 |
|---|---|
| Date | Nov 08, 2021 |
| Book Page | 66474/34 |
| Instrument | 156392 |
| Name | KWIK MORTAGE CORPORATION |
|---|
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 118 SAUNDERS ST, GARDNER, MA 01440-2428 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 58966-230 |
|---|---|
| Date | Jun 19, 2018 |
| Book Page | 58966/230 |
| Instrument | 60307 |
| Name | I-C FCU |
|---|---|
| Type | Credit Union |
| Type | Closed End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 01, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 118 SAUNDERS ST, GARDNER, MA 01440-2428 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61000-383 |
|---|---|
| Date | Sep 05, 2019 |
| Book Page | 61000/383 |
| Instrument | 90626 |
| Name | I-C FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 01, 2044 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
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 | $69.00 (-99.05%) | $482,100 (-0.31%) Land $109,500 Building $372,600 | $545,300 |
| 2024 | $7,249.00 (+6.67%) | $483,600 (+14.79%) Land $100,900 Building $382,700 | |
| 2023 | $6,796.00 | $421,300 Land $96,800 Building $324,500 |
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