123 Saunders St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 123 Saunders St, Gardner, MA 01440 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Architecture Style	Cape Cod
Year Built	Built 1986
Square Footage	2,102 sqft Living Area
Lot Size	152,347 sqft (3.49 acres)
Occupancy	Owner Occupied
Tax Bill	$60.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`GARD M:W17 B:8 L:11`
Alternative APN	`M:W-17 B:0011 L:0011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	2,102 sqft Living Area
Gross Area	4,437 sqft Gross Area
Stories	2 Stories

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Cape Cod Style
Exterior Material	Wood Siding Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	152,347 sqft (3.49 acres)

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	123 SAUNDERS ST
City	GARDNER
State	MA
Zip	01440-2427
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	8
Legal Lot Number	11
Jurisdiction	GARDNER MA
Minor Civil Division	GARDNER
Census Blockgroup	2
Census Block	2025
Census Tract	707500

Owner

Source: Worcester County and Gardner City records · APN GARD M:W17 B:8 L:11

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	123 SAUNDERS ST, GARDNER, MA 01440-2427
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Refreshed	Jun 08, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	133 SAUNDERS ST, GARDNER, MA 01440-2427
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068306-84
Date	Oct 03, 2022
Book Page	68306/84
Instrument	108312

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 01, 2042

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	$60.00 (-99.04%)	$423,600 (+1.15%) Land $91,400 Building $332,200	$495,900
2024	$6,278.00 (+7.52%)	$418,800 (+15.69%) Land $83,700 Building $335,100
2023	$5,839.00	$362,000 Land $81,400 Building $280,600