154 Oak St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 154 Oak St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,887 sqft · built 1920
Lot Size	0.149 acres (6,470 sqft)
Owner	Individual Name on File
Last Sale	$535,000 (Jun 2026)
Tax Bill	$5,368 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:19 L:7`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:19 L:7`
Alternative APN	`M:N-26 B:0017 L:0007`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	13 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,887 sqft Living Area
Gross Area	5,411 sqft
Basement Area	1,283 sqft
Unfinished Basement	1,283 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	6,470 sqft (0.149 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	154 OAK ST
City	GARDNER
State	MA
Zip	01440-3820
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	19
Legal Lot Number	7
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2007
Census Tract	707400

Owner

154 Oak St, a duplex, is owned and occupied by an individual who bought it in June 2026.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	154 OAK ST, GARDNER, MA 01440-3820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jun 5, 2026	Quit Claim Deed, Transfer · Conventional Mortgage EMM LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2026 · Amount on File
Deed Sale	Jun 5, 2026 · Amount on File
Prior Sale	Oct 28, 2014 · Amount on File
Deed Document Number	202645634
Deed Book / Page	73683 / 321
Transfer Doc	052969-141
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	154 OAK ST, GARDNER, MA 01440-3820
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067183-239
Date	Feb 28, 2022
Book Page	67183/239
Instrument	22758

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	265 Months
Due	Mar 1, 2044

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 5, 2026
Property Address	154 OAK ST, GARDNER, MA 01440-3820
Document Number	073683-321
Book / Page	73683 / 321
Instrument Date	Jun 1, 2026
Instrument	202645634
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount on Record
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	154 OAK ST, GARDNER, MA 01440-3820

Mortgage

Date	Jun 5, 2026

Lender

Name	EMM LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.23%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 154 Oak St was $5,368, up 10,425.5% from the year before.

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	$5,368.00 (+10,425.49%)	$389,800 (+9.16%) Land $73,100 Building $316,700	$511,600
2025	$51.00 (-98.92%)	$357,100 (+13.11%) Land $66,500 Building $290,600
2024	$4,732.00 (-0.04%)	$315,700 (+7.56%) Land $60,400 Building $255,300
2023	$4,734.00	$293,500 Land $59,500 Building $234,000

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

Flood

FEMA maps place 154 Oak 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

Wildfire risk around 154 Oak St is low, with 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 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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