Worcester County and Gardner City property record for 121 Stephanie Dr, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,196 sqft · built 1997 |
| Lot Size | 0.754 acres (32,860 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $5,530 (2026) |
| Deeds & Mortgages | Jan 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | M:P-15 B:0010 L:0011 |
| Primary APN | M:P-15 B:0010 L:0011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| Gross Area | 3,112 sqft |
| Basement Area | 1,196 sqft |
| Unfinished Basement | 1,196 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 32,860 sqft (0.754 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 121 STEPHANIE DR |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-8200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 21 |
| Legal Lot Number | 11 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 707100 |
121 Stephanie Dr is owner-occupied and held in a trust since January 2018.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 121 STEPHANIE DR, GARDNER, MA 01440-8200 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 10, 2018 |
| Deed Sale | Jan 10, 2018 |
| Prior Sale | Oct 10, 1997 · Amount on File |
| Deed Document Number | 20182811 |
| Deed Book / Page | 58301 / 200 |
| Transfer Doc | 58301-200 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jan 10, 2018 |
| Property Address | 121 STEPHANIE DR, GARDNER, MA 01440-8200 |
| Document Number | 58301-200 |
| Book / Page | 058301 / 000200 |
| Instrument Date | Jan 9, 2018 |
| Instrument | 2811 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 121 STEPHANIE DR GARDNER MA 014408200, GARDNER, MA 01440-8200 |
The 2026 property tax bill for 121 Stephanie Dr was $5,530, up 9,954.5% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,530.00 (+9,954.55%) | $401,600 (+4.77%) Land $89,700 Building $311,900 | $417,170 (+8.72%) |
| 2025 | $55.00 (-99.01%) | $383,300 (+3.2%) Land $81,500 Building $301,800 | $383,705 |
| 2024 | $5,567.00 (+7.93%) | $371,400 (+16.14%) Land $74,200 Building $297,200 | |
| 2023 | $5,158.00 | $319,800 Land $73,000 Building $246,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 121 Stephanie Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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.
Wildfire risk around 121 Stephanie Dr 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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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