148 Oak St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 148 Oak St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,874 sqft · built 1927
Lot Size	0.165 acres (7,194 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,255 (2026)
Deeds & Mortgages	Mar 2024 Transfer Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:N-26 B:0015 L:0005`

Property Details

APN / Parcel Number

Primary APN	`M:N-26 B:0015 L:0005`
Alternative APN	`GARD M:M27 B:19 L:50`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,874 sqft Living Area
Gross Area	4,114 sqft
Basement Area	928 sqft
Unfinished Basement	928 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	7,194 sqft (0.165 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	148 OAK ST
City	GARDNER
State	MA
Zip	01440-3820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	JEFFREY A HENDRICKSON ET UX GA
Legal Block	19
Legal Lot Number	50
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2007
Census Tract	707400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	148 OAK ST, GARDNER, MA 01440-3820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2024	Quit Claim Deed, Transfer Quitclaim
Dec 16, 2020	Deed of Trust, Mortgage · VA Mortgage MAGNOLIA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2025
Deed Sale	May 9, 2025
Prior Sale	Dec 28, 2015 · Amount on Record
Deed Book / Page	71963 / 394
Prior Transfer Date	Apr 30, 2025
Prior Transfer Doc	071963-394
Record Updated	Oct 29, 2026

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 14, 2024
Property Address	148 OAK ST, GARDNER, MA 01440-3820
Document Number	070285-322
Book / Page	70285 / 322
Instrument Date	Mar 7, 2024
Instrument	18542
Transaction Type	Transfer
Record Updated	Mar 29, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	148 OAK ST, GARDNER, MA 01440-3820

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	148 OAK ST, GARDNER, MA 01440-3820
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64005-1
Date	Dec 16, 2020
Book Page	64005/1
Instrument	157103

Lender

Name	MAGNOLIA BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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	$5,255.00 (+9.43%)	$381,600 (+14.11%) Land $73,600 Building $308,000	$415,718 (+35.82%)
2025	$4,802.00 (-2.22%)	$334,400 (+2.08%) Land $66,900 Building $267,500	$306,090
2024	$4,911.00 (+6.76%)	$327,600 (+14.87%) Land $60,800 Building $266,800
2023	$4,600.00	$285,200 Land $59,900 Building $225,300

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

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

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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