Worcester County and Gardner City property record for 128 Ryan St, Gardner, MA 01440 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,352 sqft · built 1963 |
| Lot Size | 0.611 acres (26,600 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,420 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:H32 B:15 L:1 |
| Primary APN | GARD M:H32 B:15 L:1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,352 sqft Living Area |
| Gross Area | 2,212 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,600 sqft (0.611 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 128 RYAN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 15 |
| Legal Lot Number | 1 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records · APN GARD M:H32 B:15 L:1
Assessment roll updated April 14, 2026 · Last verified July 2026
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| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 128 RYAN ST, GARDNER, MA 01440-1514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified July 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 | $4,420.00 (-0.9%) | $307,800 (+3.46%) Land $78,300 Building $229,500 | $311,695 |
| 2024 | $4,460.00 | $297,500 Land $71,200 Building $226,300 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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