137 Vernon St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,700 sqft · built 1870
Lot Size	0.156 acres (6,816 sqft)
Owner	Individual Name on File
Last Sale	$183,000 (Apr 2019)
Tax Bill	$4,139 (2026)
Deeds & Mortgages	Jan 2020 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:O-25 B:0019 L:0048`

Property Details

APN / Parcel Number

Primary APN	`M:O-25 B:0019 L:0048`
Alternative APN	`GARD M:M27 B:25 L:48`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,700 sqft Living Area
Gross Area	4,489 sqft
Basement Area	1,156 sqft
Unfinished Basement	1,156 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Conventional
Exterior Material	Shingles
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,816 sqft (0.156 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	137 VERNON ST
City	GARDNER
State	MA
Zip	01440-3831
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	25
Legal Lot Number	48
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2011
Census Tract	707400

Owner

137 Vernon St is owned and occupied by an individual who bought it in April 2019.

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

Owner of Record	Individual Name on File
Mailing Address	137 VERNON ST, GARDNER, MA 01440-3831
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
Jan 21, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Apr 4, 2019	Quit Claim Deed, Transfer · VA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2019 · Amount on File
Deed Sale	Apr 4, 2019 · Amount on File
Prior Sale	Jul 3, 2002 · Amount on File
Deed Document Number	201929404
Deed Book / Page	60234 / 149
Prior Transfer Date	Mar 26, 2019
Prior Transfer Doc	060234-149
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	137 VERNON ST, GARDNER, MA 01440-3831
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61764-142
Date	Jan 21, 2020
Book Page	61764/142
Instrument	5821

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 4, 2019
Property Address	137 VERNON ST, GARDNER, MA 01440-3831
Document Number	60234-149
Book / Page	60234 / 149
Instrument Date	Mar 26, 2019
Instrument	29404
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 VERNON ST, GARDNER, MA 01440-3831

Mortgage

Document Number	29405
Date	Apr 4, 2019
Instrument	29405

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 137 Vernon St was $4,139, up 10,512.8% 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	$4,139.00 (+10,512.82%)	$300,600 (+8.25%) Land $73,300 Building $227,300	$360,900 (+31.27%)
2025	$39.00 (-99.02%)	$277,700 (+4.36%) Land $66,700 Building $211,000	$274,930
2024	$3,989.00 (+2.52%)	$266,100 (+10.32%) Land $60,600 Building $205,500
2023	$3,891.00	$241,200 Land $59,700 Building $181,500

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

Flood

FEMA maps place 137 Vernon 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

Wildfire risk around 137 Vernon 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 519 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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