126 Mechanic St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 126 Mechanic St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,280 sqft · built 1930
Lot Size	0.2 acres (8,691 sqft)
Owner	Company Name on Record
Last Sale	$154,500 (Oct 2017)
Tax Bill	$4,471 (2026)
Deeds & Mortgages	Jan 2023 Mortgage Oct 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:1 L:1`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:1 L:1`
Alternative APN	`M:P-19 B:0009 L:0001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,280 sqft Living Area
Gross Area	3,612 sqft
Basement Area	1,140 sqft
Unfinished Basement	1,140 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	8,691 sqft (0.2 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	126 MECHANIC ST
City	GARDNER
State	MA
Zip	01440-3124
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Block	1
Legal Lot Number	1
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2012
Census Tract	707100

Owner

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	86 OLDE TAVERN RD, LEOMINSTER, MA 01453-2067
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Deed of Trust, Mortgage · Commercial Mortgage TD BANK NA
Oct 27, 2022	Quit Claim Deed, Transfer Quitclaim
Dec 26, 2017	Deed of Trust, Mortgage · Commercial Mortgage MILLBURY NATIONAL BANK
Oct 30, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2017 · Amount on Record
Deed Sale	Oct 30, 2017 · Amount on Record
Prior Sale	Nov 28, 2001 · Amount on Record
Deed Document Number	2017120824
Deed Book / Page	57962 / 175
Last Transfer Date	Oct 25, 2022
Transfer Doc	0068406-34
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	126 MECHANIC ST, GARDNER, MA 01440-3124
Transaction Type	Mortgage
Record Updated	Jan 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068681-42
Date	Jan 4, 2023
Book Page	68681/42
Instrument	396

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 27, 2022
Property Address	126 MECHANIC ST, GARDNER, MA 01440-3124
Document Number	0068406-34
Book / Page	68406 / 34
Instrument Date	Oct 25, 2022
Instrument	116101
Transaction Type	Transfer
Record Updated	Nov 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 OLDE TAVERN RD, LEOMINSTER, MA 01453-2067

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	126 MECHANIC ST, GARDNER, MA 01440-3124
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58239-243
Date	Dec 26, 2017
Book Page	58239/243
Instrument	144376

Lender

Name	MILLBURY NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 30, 2017
Property Address	126 MECHANIC ST, GARDNER, MA 01440-3124
Document Number	57962-175
Book / Page	057962 / 000175
Instrument Date	Oct 27, 2017
Instrument	824
Transaction Type	Transfer
Record Updated	Nov 21, 2017

Transaction

Amount	Amount Recorded
Tax	$704.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 MECHANIC ST GARDNER MA 014403124, GARDNER, MA 01440-3124

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
2026	$4,471.00 (+11,077.5%)	$324,700 (+16.51%) Land $74,500 Building $250,200	$352,557
2025	$40.00 (-98.99%)	$278,700 (+5.29%) Land $67,700 Building $211,000
2024	$3,968.00 (+2.53%)	$264,700 (+10.34%) Land $61,600 Building $203,100
2023	$3,870.00	$239,900 Land $60,700 Building $179,200

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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

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

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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber, Verizon.

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