137 Summer St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 137 Summer St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,845 sqft · built 1900
Lot Size	0.633 acres (27,561 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Aug 2011)
Tax Bill	$4,903 (2026)
Deeds & Mortgages	Oct 2023 Line of Credit Sep 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:19 L:1`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:19 L:1`
Alternative APN	`M:T-16 B:0029 L:0001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,845 sqft Living Area
Gross Area	3,314 sqft
Basement Area	848 sqft
Unfinished Basement	848 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	27,561 sqft (0.633 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	137 SUMMER ST
City	GARDNER
State	MA
Zip	01440-6605
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Subdivision	HOMER C BLAIS
Legal Block	19
Legal Lot Number	1
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2002
Census Tract	707100

Owner

137 Summer St, a duplex, is owned by an individual who bought it in August 2011.

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

Owner of Record	Individual Name on File
Mailing Address	2 DOWNEY RD, NORTH BROOKFIELD, MA 01535-1227
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 4, 2023	Deed of Trust, Mortgage · Line of Credit WORKERS CU
Sep 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Oct 25, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2011 · Amount on File
Deed Sale	Aug 24, 2011 · Amount on File
Prior Sale	May 6, 2005 · Amount on File
Deed Document Number	20118
Deed Book / Page	47751 / 190
Transfer Doc	39809-138
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	137 SUMMER ST, GARDNER, MA 01440-6605
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069723-59
Date	Oct 4, 2023
Book Page	69723/59
Instrument	82775

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	137 SUMMER ST, GARDNER, MA 01440-6605
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66167-56
Date	Sep 28, 2021
Book Page	66167/56
Instrument	135981

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	137 SUMMER ST, GARDNER, MA 01440-6605
Document Number	61342-204
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 SUMMER ST GARDNER MA 014406605, GARDNER, MA 01440-6605

Mortgage

Document Number	61342-204
Date	Oct 31, 2019
Book Page	061342/000204
Instrument	116435

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 137 Summer St was $4,903, up 11,573.8% 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	$4,903.00 (+11,573.81%)	$356,100 (+21.2%) Land $86,800 Building $269,300	$374,218
2025	$42.00 (-99.02%)	$293,800 (+2.76%) Land $78,900 Building $214,900
2024	$4,286.00 (+4.82%)	$285,900 (+12.78%) Land $71,800 Building $214,100
2023	$4,089.00	$253,500 Land $70,700 Building $182,800

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

Flood

FEMA maps place 137 Summer St in Zone X, an area of minimal flood risk.

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
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 137 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

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