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152 Oak St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 152 Oak St, Gardner, MA 01440

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,196 sqft · built 1930
Lot Size0.194 acres (8,450 sqft)
OwnerIndividual Name on File
Last Sale$219,900 (May 2018)
Tax Bill$44 (2025)
Deeds & MortgagesFeb 2021 Refinance
May 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNGARD M:M27 B:19 L:6

Property Details

APN / Parcel Number

Primary APNGARD M:M27 B:19 L:6
Alternative APN
  • M:N-26 B:0016 L:0006

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area2,196 sqft Living Area
Gross Area4,280 sqft

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1930
Architectural StyleColonial
Exterior MaterialWood Siding
Roof TypeGambrel
Roof MaterialAsphalt
Lot Area8,450 sqft (0.194 acres)

Utilities, Heating & Cooling

Heating SystemSteam
Heating FuelOil

Location & Zoning

Street Address152 OAK ST
CityGARDNER
StateMA
Zip01440-3820
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block19
Legal Lot Number6
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group2
Census Block2007
Census Tract707400

Owner

Source: Worcester County and Gardner City records · APN GARD M:M27 B:19 L:6

Assessment roll updated April 14, 2026 · Last verified April 2026

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

Owner of RecordIndividual Name on File
Mailing Address152 OAK ST, GARDNER, MA 01440-3820
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 03, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
UNITED WHOLESALE MORTGAGE
May 24, 2018Quit Claim Deed, Transfer
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 24, 2018 · Amount on Record
Deed SaleMay 24, 2018 · Amount on Record
Prior SaleDec 23, 2015 · Amount on Record
Deed Book / Page58845 / 51
Record UpdatedJun 08, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Property Address152 OAK ST, GARDNER, MA 01440-3820
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number064387-221
DateFeb 03, 2021
Book Page64387/221
Instrument16264
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

May 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateMay 24, 2018
Property Address152 OAK ST, GARDNER, MA 01440-3820
Document Number58845-51
Book / Page58845 / 51
Instrument49997
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$33.73
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address152 OAK ST, GARDNER, MA 01440-3820

Mortgage

Document Number588450054
DateMay 24, 2018
Instrument58845/0054
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
AmountAmount Recorded
Term360 Months
DueMay 24, 2048

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$44.00 (-99.05%)$312,600 (+1.66%) Land $67,600 Building $245,000$330,315
2024$4,609.00 (+5.88%)$307,500 (+13.93%) Land $61,500 Building $246,000
2023$4,353.00$269,900 Land $60,600 Building $209,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 519 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Gateway Fiber Holdings
Fiber		2,000 / 2,000
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemGARDNER WATER DEPARTMENT
serves 21,381 people
Water SourceSurface water
Last State InspectionOct 2024
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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