15 Ken Dr, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 15 Ken Dr, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,356 sqft · built 1957
Lot Size	0.345 acres (15,047 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (May 2014)
Tax Bill	$4,628 (2025)
Deeds & Mortgages	Mar 2025 Refinance Apr 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:19 L:3`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:19 L:3`
Alternative APN	`M:S-11 B:0030 L:0003`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,356 sqft Living Area
Gross Area	2,728 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,047 sqft (0.345 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	15 KEN DR
City	GARDNER
State	MA
Zip	01440-3518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	19
Legal Lot Number	3
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1036
Census Tract	707100

Owner

Source: Worcester County and Gardner City assessment roll, as of April 14, 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	15 KEN DR, GARDNER, MA 01440-3518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance NESC FEDERAL CREDIT UNION
Apr 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Aug 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 2, 2014 · Amount on Record
Deed Sale	May 2, 2014 · Amount on Record
Deed Book / Page	52285 / 356
Record Updated	Jun 8, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	15 KEN DR, GARDNER, MA 01440-3518
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071744-330
Date	Mar 17, 2025
Book Page	71744/330
Instrument	20324

Lender

Name	NESC FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2035

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	15 KEN DR, GARDNER, MA 01440-3518
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064836-351
Date	Apr 1, 2021
Book Page	64836/351
Instrument	45124

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	15 KEN DR, GARDNER, MA 01440-3518
Document Number	59326-144
Instrument Date	Aug 21, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 KEN DR GARDNER MA 014403518, GARDNER, MA 01440-3518

Mortgage

Document Number	59326-144
Date	Aug 29, 2018
Book Page	059326/000144
Instrument	90887

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2048

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
2025	$4,628.00 (-1.3%)	$322,300 (+3.04%) Land $71,600 Building $250,700	$334,210
2024	$4,689.00 (+7.94%)	$312,800 (+16.15%) Land $65,100 Building $247,700
2023	$4,344.00	$269,300 Land $64,200 Building $205,100

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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