Worcester County and Gardner City property record for 15 Laurel St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 936 sqft · built 1957 |
| Lot Size | 0.203 acres (8,830 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $90,000 (Mar 2010) |
| Tax Bill | $4,201 (2026) |
| Deeds & Mortgages | Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:S-10 B:0004 L:0004 |
| Primary APN | M:S-10 B:0004 L:0004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 936 sqft Living Area |
| Gross Area | 2,512 sqft |
| Basement Area | 628 sqft |
| Unfinished Basement | 628 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,830 sqft (0.203 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 15 LAUREL ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 24 |
| Legal Lot Number | 23 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 707100 |
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 | 15 LAUREL ST, GARDNER, MA 01440-3522 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2010 · Amount on Record |
| Deed Sale | Mar 4, 2010 · Amount on Record |
| Prior Sale | Feb 4, 2009 · Amount on Record |
| Deed Document Number | 201022383 |
| Deed Book / Page | 45526 / 67 |
| Transfer Doc | 43758-356 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 15 LAUREL ST, GARDNER, MA 01440-3522 |
| Document Number | 57690-30 |
| Book / Page | 057690 / 000030 |
| Instrument Date | Aug 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2017 |
| Name | Verified Name |
|---|
| Document Number | 57690-30 |
|---|---|
| Date | Sep 6, 2017 |
| Book Page | 057690/000030 |
| Instrument | 97736 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 5, 2037 |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,201.00 (+10,146.34%) | $305,100 (+4.95%) Land $74,600 Building $230,500 | $320,637 (+11.98%) |
| 2025 | $41.00 (-99.01%) | $290,700 (+4.91%) Land $67,800 Building $222,900 | $286,330 |
| 2024 | $4,154.00 (+7.98%) | $277,100 (+16.18%) Land $61,700 Building $215,400 | |
| 2023 | $3,847.00 | $238,500 Land $60,800 Building $177,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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.
5G and 4G LTE (outdoors only)
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