Worcester County and Gardner City property record for 15 Rock St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 2,271 sqft · built 1910 |
| Lot Size | 0.292 acres (12,705 sqft) |
| Owner | Individual Name on File |
| Last Sale | $360,000 (Oct 2023) |
| Tax Bill | $5,518 (2026) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage May 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:1 L:25 |
| Primary APN | GARD M:M22 B:1 L:25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,271 sqft Living Area |
| Gross Area | 4,913 sqft |
| Basement Area | 1,678 sqft |
| Unfinished Basement | 1,678 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,705 sqft (0.292 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 15 ROCK ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1839 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Block | 1 |
| Legal Lot Number | 25 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 707400 |
15 Rock St, a duplex, is owned and occupied by an individual who bought it in October 2023.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15 ROCK ST, GARDNER, MA 01440-1839 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 6, 2023 | Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| May 17, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage QS LENDING T |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 6, 2023 · Amount on File |
| Deed Sale | Oct 6, 2023 · Amount on File |
| Prior Sale | May 17, 2023 · Amount on File |
| Deed Book / Page | 69731 / 248 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 6, 2023 |
| Property Address | 15 ROCK ST, GARDNER, MA 01440-1839 |
| Document Number | 069731-248 |
| Book / Page | 69731 / 248 |
| Instrument Date | Oct 6, 2023 |
| Instrument | 83511 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 ROCK ST, GARDNER, MA 01440-1839 |
| Document Number | 0000083512 |
|---|---|
| Date | Oct 6, 2023 |
| Instrument | 83512 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | May 17, 2023 |
| Property Address | 15 ROCK ST, GARDNER, MA 01440-1839 |
| Document Number | 0069144-36 |
| Book / Page | 69144 / 36 |
| Instrument Date | May 17, 2023 |
| Instrument | 38000 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 85 CHELSEA ST, GARDNER, MA 01440-3303 |
| Document Number | 0000038001 |
|---|---|
| Date | May 17, 2023 |
| Instrument | 38001 |
| Name | QS LENDING T |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 15 Rock St was $5,518, up 10,936% from the year before.
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 | $5,518.00 (+10,936%) | $400,700 (+14.09%) Land $77,200 Building $323,500 | $394,724 |
| 2025 | $50.00 (-98.73%) | $351,200 (+33.28%) Land $70,200 Building $281,000 | |
| 2024 | $3,950.00 (+1.2%) | $263,500 (+8.88%) Land $63,800 Building $199,700 | |
| 2023 | $3,903.00 | $242,000 Land $62,900 Building $179,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 Rock St in Zone X, an area of minimal flood risk.
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 risk around 15 Rock St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 90% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 356 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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