15 Abbott St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 15 Abbott St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,287 sqft · built 1925
Lot Size	0.12 acres (5,217 sqft)
Owner	Individual Name on Record
Last Sale	$354,900 (Apr 2025)
Tax Bill	$4,532 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Apr 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:O-27 B:0021 L:0027`

Property Details

APN / Parcel Number

Primary APN	`M:O-27 B:0021 L:0027`
Alternative APN	`GARD M:M27 B:15 L:27`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,287 sqft Living Area
Gross Area	2,463 sqft
Basement Area	468 sqft
Unfinished Basement	468 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,217 sqft (0.12 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	15 ABBOTT ST
City	GARDNER
State	MA
Zip	01440-1610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	15
Legal Lot Number	27
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1029
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	Individual Name on Record
Mailing Address	15 ABBOTT ST, GARDNER, MA 01440-1610
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MERRIMACK VALLEY FCU
Apr 28, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WEBSTER FIVE CENTS SAVINGS BANK
Feb 26, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORCOM MORTGAGE
Oct 21, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2025 · Amount on Record
Deed Sale	Apr 28, 2025 · Amount on Record
Prior Sale	Aug 23, 2024 · Amount on Record
Deed Book / Page	71906 / 265
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	15 ABBOTT ST, GARDNER, MA 01440-1610
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069778-178
Date	Oct 19, 2023
Book Page	69778/178
Instrument	87284

Lender

Name	MERRIMACK VALLEY FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2033

April 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 28, 2025
Property Address	15 ABBOTT ST, GARDNER, MA 01440-1610
Document Number	071906-265
Book / Page	71906 / 265
Instrument Date	Apr 28, 2025
Instrument	32397
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	15 ABBOTT ST, GARDNER, MA 01440-1610

Mortgage

Document Number	0000032398
Date	Apr 28, 2025
Instrument	32398

Lender

Name	WEBSTER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 26, 2021
Property Address	15 ABBOTT ST, GARDNER, MA 01440-1610
Document Number	64566-292
Book / Page	64566 / 292
Instrument Date	Feb 4, 2021
Instrument	27715
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	15 ABBOTT ST, GARDNER, MA 01440-1610

Mortgage

Document Number	27716
Date	Feb 26, 2021
Instrument	27716

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 21, 2020
Property Address	15 ABBOTT ST, GARDNER, MA 01440-1610
Document Number	63547-79
Book / Page	063547 / 000079
Instrument Date	Oct 19, 2020
Instrument	125512
Transaction Type	Transfer
Record Updated	Nov 10, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 QUEEN LAKE RD TEMPLETON MA 014681335, TEMPLETON, MA 01468-1335

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	$4,532.00 (+7.57%)	$329,100 (+12.17%) Land $90,400 Building $238,700	$355,311 (+11.02%)
2025	$4,213.00 (+4.2%)	$293,400 (+8.79%) Land $82,200 Building $211,200	$320,055
2024	$4,043.00 (+2.72%)	$269,700 (+10.53%) Land $74,700 Building $195,000
2023	$3,936.00	$244,000 Land $73,600 Building $170,400

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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	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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