14 Kendall St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 14 Kendall St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,571 sqft · built 1910
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Tax Bill	$4,568 (2026)
Deeds & Mortgages	Oct 2022 Refinance Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:13 L:1`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:13 L:1`
Alternative APN	`M:R-17 B:0001 L:0001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,571 sqft Living Area
Gross Area	2,792 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	14 KENDALL ST
City	GARDNER
State	MA
Zip	01440-4113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	13
Legal Lot Number	1
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2036
Census Tract	707100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	14 KENDALL ST, GARDNER, MA 01440-4113
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU
Mar 2, 2022	Quit Claim Deed, Transfer · FHA Mortgage NATIONSTAR MORTGAGE LLC
May 26, 2017	Quit Claim Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2022
Deed Sale	Mar 2, 2022
Prior Sale	May 26, 2017 · Amount on Record
Deed Book / Page	67200 / 337
Prior Transfer Date	Feb 24, 2022
Prior Transfer Doc	067200-337
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	14 KENDALL ST, GARDNER, MA 01440-4113
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068400-76
Date	Oct 26, 2022
Book Page	68400/76
Instrument	115632

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2047

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 2, 2022
Property Address	14 KENDALL ST, GARDNER, MA 01440-4113
Document Number	067200-337
Book / Page	67200 / 337
Instrument Date	Feb 24, 2022
Instrument	24008
Transaction Type	Transfer
Record Updated	Jul 24, 2024

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	14 KENDALL ST, GARDNER, MA 01440-4113

Mortgage

Document Number	0000024009
Date	Mar 2, 2022
Instrument	24009

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 26, 2017
Property Address	14 KENDALL ST, GARDNER, MA 01440-4113
Document Number	57175-98
Book / Page	57175 / 98
Instrument	53980
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 KENDALL ST, GARDNER, MA 01440-4113

Mortgage

Document Number	571750100
Date	May 26, 2017
Instrument	57175/0100

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 26, 2047

Tax Assessment & Valuation

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	$4,568.00 (+10,523.26%)	$331,700 (+8.29%) Land $81,200 Building $250,500	$353,751 (+28.31%)
2025	$43.00 (-99.01%)	$306,300 (+5.4%) Land $73,800 Building $232,500	$275,690
2024	$4,356.00 (+2.49%)	$290,600 (+10.28%) Land $67,100 Building $223,500
2023	$4,250.00	$263,500 Land $66,100 Building $197,400

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

Flood

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 AE, within 500 ft
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

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 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.

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