128 Summer St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 128 Summer St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 1,896 sqft · built 1900
Lot Size	0.125 acres (5,445 sqft)
Owner	Individual Name on File
Tax Bill	$4,775 (2026)
Deeds & Mortgages	Oct 2018 Mortgage Mar 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:S-16 B:0005 L:0004`

Property Details

APN / Parcel Number

Primary APN	`M:S-16 B:0005 L:0004`
Alternative APN	`GARD M:R17 B:19 L:26`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,896 sqft Living Area
Gross Area	3,575 sqft
Basement Area	1,320 sqft
Unfinished Basement	1,320 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,445 sqft (0.125 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	128 SUMMER ST
City	GARDNER
State	MA
Zip	01440-6603
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	19
Legal Lot Number	26
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2008
Census Tract	707100

Owner

128 Summer St, a duplex, is owned and occupied by an individual who acquired it in March 2018.

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

Owner of Record	Individual Name on File
Mailing Address	128 SUMMER ST, GARDNER, MA 01440-6603
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2018	Deed of Trust, Mortgage FIDELITY COOPERATIVE BANK
Mar 22, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2018
Deed Sale	Mar 22, 2018
Prior Sale	Dec 30, 2016 · Amount on File
Deed Document Number	201826551
Deed Book / Page	58570 / 166
Transfer Doc	56552-212
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	128 SUMMER ST, GARDNER, MA 01440-6603
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	059551-208
Date	Oct 16, 2018
Book Page	59551/208
Instrument	109570

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2033

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 22, 2018
Property Address	128 SUMMER ST, GARDNER, MA 01440-6603
Document Number	58570-166
Book / Page	058570 / 000166
Instrument Date	Mar 15, 2018
Instrument	26551
Transaction Type	Transfer
Record Updated	Apr 10, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 SUMMER ST GARDNER MA 014406603, GARDNER, MA 01440-6603

Tax Assessment & Valuation

The 2026 property tax bill for 128 Summer St was $4,775, up 11,546.3% from the year before.

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	$4,775.00 (+11,546.34%)	$346,800 (+2%) Land $72,400 Building $274,400	$363,760
2025	$41.00 (-98.99%)	$289,000 (+6.45%) Land $65,900 Building $223,100
2024	$4,070.00 (+4.95%)	$271,500 (+12.94%) Land $59,900 Building $211,600
2023	$3,878.00	$240,400 Land $59,000 Building $181,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 128 Summer St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 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

Wildfire risk around 128 Summer St 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	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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Summer St

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