136 Leo Dr, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 136 Leo Dr, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,176 sqft · built 1972
Lot Size	0.691 acres (30,100 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,959 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2021 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:H37 B:24 L:9`

Property Details

APN / Parcel Number

Primary APN	`GARD M:H37 B:24 L:9`
Alternative APN	`M:I-36 B:0012 L:0008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Gross Area	2,526 sqft
Basement Area	616 sqft
Unfinished Basement	616 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,100 sqft (0.691 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	136 LEO DR
City	GARDNER
State	MA
Zip	01440-1214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	9
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1010
Census Tract	707400

Owner

136 Leo Dr is owned and occupied by two individuals who acquired it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	136 LEO DR, GARDNER, MA 01440-1214
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 5, 2026	Quit Claim Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jan 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Dec 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Dec 28, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU
May 9, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Oct 5, 2018	Deed of Trust, Mortgage · Conventional with PMI QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026
Deed Sale	Aug 5, 2026
Prior Sale	Aug 28, 2014 · Amount on File
Deed Document Number	202666988
Deed Book / Page	73985 / 79
Prior Transfer Date	Jul 31, 2026
Prior Transfer Doc	0000066988
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 5, 2026
Property Address	136 LEO DR, GARDNER, MA 01440-1214
Document Number	0000066988
Book / Page	73985 / 79
Instrument Date	Jul 31, 2026
Instrument	202666988
Transaction Type	Transfer
Record Updated	Sep 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	136 LEO DR, GARDNER, MA 01440-1214

Mortgage

Date	Aug 5, 2026

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	136 LEO DR, GARDNER, MA 01440-1214
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064256-171
Date	Jan 19, 2021
Book Page	64256/171
Instrument	7908

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	313 Months
Due	Feb 1, 2047

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	136 LEO DR, GARDNER, MA 01440-1214
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066789-174
Date	Dec 20, 2021
Book Page	66789/174
Instrument	177697

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2042

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	136 LEO DR, GARDNER, MA 01440-1214
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070042-69
Date	Dec 28, 2023
Book Page	70042/69
Instrument	108325

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	289 Months
Due	Jan 1, 2048

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	136 LEO DR, GARDNER, MA 01440-1214
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071963-309
Date	May 9, 2025
Book Page	71963/309
Instrument	36619

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	136 LEO DR, GARDNER, MA 01440-1214
Document Number	59546-193
Instrument Date	Oct 5, 2018
Transaction Type	Mortgage
Record Updated	Nov 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	136 LEO DR GARDNER MA 014401214, GARDNER, MA 01440-1214

Mortgage

Document Number	59546-193
Date	Oct 15, 2018
Book Page	059546/000193
Instrument	109143

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 136 Leo Dr was $4,959, up 0.7% 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	$4,959.00 (+0.73%)	$360,100 (+5.05%) Land $97,400 Building $262,700	$395,918 (+17.89%)
2025	$4,923.00 (+0.18%)	$342,800 (+4.58%) Land $88,500 Building $254,300	$335,825
2024	$4,914.00 (+7.88%)	$327,800 (+16.08%) Land $80,600 Building $247,200
2023	$4,555.00	$282,400 Land $79,200 Building $203,200

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

Flood

FEMA maps place 136 Leo Dr 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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 136 Leo Dr 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	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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Gateway Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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