Worcester County and Gardner City property record for 13 Ford St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,728 sqft · built 1915 |
| Lot Size | 0.154 acres (6,700 sqft) |
| Owner | Individual Name on File |
| Last Sale | $110,000 (Jun 2018) |
| Tax Bill | $4,164 (2026) |
| Deeds & Mortgages | Nov 2021 Refinance May 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:O-21 B:0008 L:0015 |
| Primary APN | M:O-21 B:0008 L:0015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,728 sqft Living Area |
| Gross Area | 3,008 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 6,700 sqft (0.154 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 13 FORD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2922 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Subdivision | JOHN LEAMY |
| Legal Block | 20 |
| Legal Lot Number | 15 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 707300 |
13 Ford St, a duplex, is owned and occupied by an individual who bought it in June 2018.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 13 FORD ST, GARDNER, MA 01440-2922 |
| 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.
| Date | Document |
|---|---|
| Nov 29, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP |
| May 9, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION |
| Jun 19, 2018 | Quit Claim Deed, Transfer · FHA Mortgage COMMONWEALTH MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 19, 2018 · Amount on File |
| Deed Sale | Jun 19, 2018 · Amount on File |
| Prior Sale | Aug 3, 2012 · Amount on File |
| Deed Book / Page | 58968 / 112 |
| Transfer Doc | 058968-112 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 13 FORD ST, GARDNER, MA 01440-2922 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 066625-255 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 66625/255 |
| Instrument | 166160 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 13 FORD ST, GARDNER, MA 01440-2922 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60383-301 |
|---|---|
| Date | May 9, 2019 |
| Book Page | 60383/301 |
| Instrument | 41591 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2034 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 19, 2018 |
| Property Address | 13 FORD ST, GARDNER, MA 01440-2922 |
| Document Number | 58968-112 |
| Book / Page | 58968 / 112 |
| Instrument | 60438 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $23.86 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13 FORD ST, GARDNER, MA 01440-2922 |
| Document Number | 589680115 |
|---|---|
| Date | Jun 19, 2018 |
| Instrument | 58968/0115 |
| Name | COMMONWEALTH MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 19, 2048 |
The 2026 property tax bill for 13 Ford St was $4,164, up 11,797.1% 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 | $4,164.00 (+11,797.14%) | $302,400 (+22.83%) Land $54,900 Building $247,500 | $363,011 |
| 2025 | $35.00 (-99.03%) | $246,200 (+2.16%) Land $49,900 Building $196,300 | |
| 2024 | $3,613.00 (+6.05%) | $241,000 (+14.11%) Land $45,400 Building $195,600 | |
| 2023 | $3,407.00 | $211,200 Land $44,700 Building $166,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13 Ford St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 13 Ford 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.
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 446 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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