120 Grant St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 120 Grant St, Gardner, MA 01440

Property Summary

Property Type	Triplex
Details	7 bd · 3 ba · 2,080 sqft · built 1920
Lot Size	0.164 acres (7,149 sqft)
Owner	Individual Name on Record
Last Sale	$469,900 (May 2025)
Tax Bill	$6,965 (2025)
Deeds & Mortgages	Mar 2022 Refinance Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:6 L:61`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:6 L:61`
Alternative APN	`M:Q-23 B:0014 L:0016`

Interior

Bedrooms	7 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Units	3 Units
Stories	2 Stories
Building Area	2,080 sqft Living Area
Gross Area	3,428 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Rolled Roofing
Lot Area	7,149 sqft (0.164 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	120 GRANT ST
City	GARDNER
State	MA
Zip	01440-3096
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Block	6
Legal Lot Number	61
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1003
Census Tract	707200

Owner

Source: Worcester County and Gardner City records, as of October 19, 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 Record
Mailing Address	120 GRANT ST, GARDNER, MA 01440-3096
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ATLAS FUNDING LLC
Oct 8, 2021	Deed of Trust, Mortgage · Commercial Mortgage HAROLD WILION
May 13, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Sep 21, 2023	Foreclosure Foreclosure Auction
Dec 31, 2019	Quit Claim Deed, Transfer CROWD LNDG FUND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2025 · Amount on Record
Deed Sale	May 13, 2025 · Amount on Record
Prior Sale	Sep 21, 2023 · Amount on Record
Deed Book / Page	71977 / 39
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	120 GRANT ST, GARDNER, MA 01440-3096
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067252-200
Date	Mar 11, 2022
Book Page	67252/200
Instrument	27944

Lender

Name	ATLAS FUNDING LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	120 GRANT ST, GARDNER, MA 01440-3096
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066248-74
Date	Oct 8, 2021
Book Page	66248/74
Instrument	141469

Lender

Name	HAROLD WILION

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 13, 2025
Property Address	120 GRANT ST, GARDNER, MA 01440-3096
Document Number	0071977-39
Book / Page	71977 / 39
Instrument Date	May 13, 2025
Instrument	37574
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	0000037575
Date	May 13, 2025
Instrument	37575

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2023: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Sep 21, 2023
Property Address	120 GRANT ST, GARDNER, MA 01440-3096
Document Number	069666-330
Book / Page	69666 / 330
Instrument Date	Sep 14, 2023
Instrument	78484
Transaction Type	Foreclosure
Record Updated	Jan 24, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	22 ALDEN RD, WATERTOWN, MA 02472-4949

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 31, 2019
Property Address	120 GRANT ST, GARDNER, MA 01440-3096
Document Number	61688-129
Book / Page	061688 / 000129
Instrument Date	Dec 27, 2019
Instrument	144237
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$205.19
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1162 BECKET PL MELBOURNE FL 329406043, MELBOURNE, FL 32940-6043

Mortgage

Document Number	61688-135
Date	Dec 31, 2019
Book Page	061688/000135
Instrument	144239

Lender

Name	CROWD LNDG FUND

Agreement

Amount	Amount Recorded

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
2025	$6,965.00 (+28.36%)	$485,000 (+33.98%) Land $66,800 Building $418,200
2024	$5,426.00 (+7%)	$362,000 (+15.14%) Land $60,800 Building $301,200
2023	$5,071.00	$314,400 Land $59,900 Building $254,500

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

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.

Nearby Properties on Grant St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures