Worcester County and Gardner City property record for 14 Jay St, Gardner, MA 01440 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1910 |
| Square Footage | 1,009 sqft Living Area |
| Lot Size | 5,371 sqft (0.123 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $225,000 (2023) |
| Tax Bill | $3,833.00 (2025) |
| Primary APN | M:P-22 B:0002 L:0041 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,009 sqft Living Area |
| Gross Area | 1,787 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 5,371 sqft (0.123 acres) |
| Heating System | Steam Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Street Address | 14 JAY ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2726 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 11 |
| Legal Lot Number | 41 |
| Jurisdiction | GARDNER MA |
| Minor Civil Division | GARDNER |
| Census Blockgroup | 1 |
| Census Block | 1010 |
| Census Tract | 707200 |
Source: Worcester County and Gardner City records · APN M:P-22 B:0002 L:0041
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 14 JAY ST, GARDNER, MA 01440-2726 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 21, 2022 | Deed of Trust, Mortgage · Stand Alone Refinance VILLAGE CAPITAL & INVESTMENT LLC |
| Apr 08, 2025 | Deed of Trust, Mortgage · Conventional Mortgage DREW MORTGAGE ASSOCIATES INC |
| Nov 12, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage USA VETERANS ADMIN |
| Jun 16, 2023 | Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage DREW MORTGAGE ASSOCIATES INC |
| Sep 28, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Nov 12, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage USA VETERANS ADMIN |
| Mar 25, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage CBC NATIONAL BANK |
| Dec 18, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage CBC NATIONAL BANK |
| Aug 07, 2017 | Quit Claim Deed, Transfer · Federal Housing Administration (FHA) Mortgage MORTGAGE RESEARCH CTR |
| Deed Names | Verified Name on Deed |
|---|---|
| Known Transactions |
|
| Deed Book / Page | 69266 / 92 |
| Transfer Doc | 51677-385 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 14 JAY ST, GARDNER, MA 01440-2726 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 067773-215 |
|---|---|
| Date | Jun 21, 2022 |
| Book Page | 67773/215 |
| Instrument | 66749 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 14 JAY ST, GARDNER, MA 01440-2726 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0071831-39 |
|---|---|
| Date | Apr 08, 2025 |
| Book Page | 71831/39 |
| Instrument | 26881 |
| Name | DREW MORTGAGE ASSOCIATES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 14 JAY ST, GARDNER, MA 01440-2726 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 066507-377 |
|---|---|
| Date | Nov 12, 2021 |
| Book Page | 66507/377 |
| Instrument | 158554 |
| Name | USA VETERANS ADMIN |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Dec 01, 2050 |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 16, 2023 |
| Property Address | 14 JAY ST, GARDNER, MA 01440-2726 |
| Document Number | 0069266-92 |
| Book / Page | 69266 / 92 |
| Instrument Date | Jun 15, 2023 |
| Instrument | 47447 |
| Transaction Type | Transfer |
| Record Updated | Jul 03, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14 JAY ST, GARDNER, MA 01440-2726 |
| Document Number | 0000047448 |
|---|---|
| Date | Jun 16, 2023 |
| Instrument | 47448 |
| Name | DREW MORTGAGE ASSOCIATES INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 14 JAY ST, GARDNER, MA 01440-2726 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 063350-350 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 63350/350 |
| Instrument | 112534 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 14 JAY ST, GARDNER, MA 01440-2726 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66507-377 |
|---|---|
| Date | Nov 12, 2021 |
| Book Page | 66507/377 |
| Instrument | 158554 |
| Name | USA VETERANS ADMIN |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 14 JAY ST, GARDNER, MA 01440-2726 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60183-91 |
|---|---|
| Date | Mar 25, 2019 |
| Book Page | 60183/91 |
| Instrument | 25297 |
| Name | CBC NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 14 JAY ST, GARDNER, MA 01440-2726 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61616-34 |
|---|---|
| Date | Dec 18, 2019 |
| Book Page | 61616/34 |
| Instrument | 137814 |
| Name | CBC NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Aug 07, 2017 |
| Property Address | 14 JAY ST, GARDNER, MA 01440-2726 |
| Document Number | 57545-363 |
| Book / Page | 057545 / 000363 |
| Instrument Date | Aug 07, 2017 |
| Instrument | 85462 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2017 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $547.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 37 W BROADWAY #3 GARDNER MA 014403354, 3, GARDNER, MA 01440-3354 |
| Document Number | 57545-366 |
|---|---|
| Date | Aug 07, 2017 |
| Book Page | 057545/000366 |
| Instrument | 85463 |
| Name | MORTGAGE RESEARCH CTR |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 06, 2047 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,833.00 (+4.41%) | $266,900 (+8.98%) Land $65,800 Building $201,100 | $244,815 |
| 2024 | $3,671.00 (+3.12%) | $244,900 (+10.97%) Land $59,800 Building $185,100 | |
| 2023 | $3,560.00 | $220,700 Land $58,900 Building $161,800 |
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