155 Summer St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 155 Summer St, Gardner, MA 01440

Property Summary

Property Type	Apartments (5+ Units)
Details	8 bd · 4 ba · 3,795 sqft · built 1880
Lot Size	0.409 acres (17,836 sqft)
Owner	Company Name on Record
Last Sale	$193,500 (Oct 2020)
Tax Bill	$7,001 (2026)
Deeds & Mortgages	Apr 2022 Refinance Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:14 L:1`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:14 L:1`
Alternative APN	`M:T-17 B:0028 L:0023`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Total Rooms	16 Rooms
Units	4 Units
Stories	2 Stories
Building Area	3,795 sqft Living Area
Gross Area	7,369 sqft
Basement Area	1,940 sqft
Unfinished Basement	1,940 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,836 sqft (0.409 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	155 SUMMER ST
City	GARDNER
State	MA
Zip	01440-6605
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	R1
Legal Block	14
Legal Lot Number	1
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2002
Census Tract	707100

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	292 PARKER ST, GARDNER, MA 01440-3728
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance KIAVI FUNDING INC
Oct 30, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2020 · Amount on Record
Deed Sale	Oct 30, 2020 · Amount on Record
Prior Sale	Jul 30, 2004 · Amount on Record
Prior Transfer Date	Sep 17, 2020
Prior Transfer Doc	63634-55
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	155 SUMMER ST, GARDNER, MA 01440-6605
Transaction Type	Mortgage
Record Updated	Apr 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067446-311
Date	Apr 15, 2022
Book Page	67446/311
Instrument	42079

Lender

Name	KIAVI FUNDING INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 30, 2020
Property Address	155 SUMMER ST, GARDNER, MA 01440-6605
Document Number	63634-55
Book / Page	63634 / 55
Instrument Date	Sep 17, 2020
Instrument	131307
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	4 MOUNT PLEASANT ST, N BILLERICA, MA 01862-1267

Mortgage

Document Number	131308
Date	Oct 30, 2020
Instrument	131308

Lender

Name	LENDINGHOME FUNDING CORP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2026	$7,001.00 (+11,012.7%)	$508,400 (+15.41%) Land $80,600 Building $427,800
2025	$63.00 (-98.87%)	$440,500 (+18.29%) Land $73,300 Building $367,200
2024	$5,582.00 (+0.63%)	$372,400 (+8.29%) Land $66,600 Building $305,800
2023	$5,547.00	$343,900 Land $65,700 Building $278,200

Assessed value is set for property tax purposes and is not a market price estimate.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber.

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