Worcester County and Gardner City property record for 16 Douglas Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,050 sqft · built 1920 |
| Lot Size | 0.102 acres (4,425 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $345,000 (Oct 2025) |
| Tax Bill | $3,784 (2026) |
| Deeds & Mortgages | Apr 2023 Mortgage Mar 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:L-25 B:0002 L:0042 |
| Primary APN | M:L-25 B:0002 L:0042 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,050 sqft Living Area |
| Gross Area | 2,136 sqft |
| Basement Area | 660 sqft |
| Unfinished Basement | 660 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,425 sqft (0.102 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 16 DOUGLAS RD |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1815 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 22 |
| Legal Lot Number | 42 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 707400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 16 DOUGLAS RD, GARDNER, MA 01440-1815 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Apr 13, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE |
| Mar 17, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Feb 18, 2025 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Oct 10, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage TOTAL MORTGAGE SERVICES LLC |
| May 31, 2017 | Quit Claim Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 10, 2025 · Amount on Record |
| Deed Sale | Oct 10, 2025 · Amount on Record |
| Prior Sale | May 31, 2017 · Amount on Record |
| Deed Book / Page | 72661 / 371 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 16 DOUGLAS RD, GARDNER, MA 01440-1815 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 069016-357 |
|---|---|
| Date | Apr 13, 2023 |
| Book Page | 69016/357 |
| Instrument | 28275 |
| Name | ROCKET MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 16 DOUGLAS RD, GARDNER, MA 01440-1815 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 067279-151 |
|---|---|
| Date | Mar 17, 2022 |
| Book Page | 67279/151 |
| Instrument | 29833 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 16 DOUGLAS RD, GARDNER, MA 01440-1815 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 071646-252 |
|---|---|
| Date | Feb 18, 2025 |
| Book Page | 71646/252 |
| Instrument | 12716 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Mar 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 10, 2025 |
| Property Address | 16 DOUGLAS RD, GARDNER, MA 01440-1815 |
| Document Number | 072661-371 |
| Book / Page | 72661 / 371 |
| Instrument Date | Oct 10, 2025 |
| Instrument | 87870 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount Recorded |
|---|---|
| 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 | 16 DOUGLAS RD, GARDNER, MA 01440-1815 |
| Document Number | 0000087871 |
|---|---|
| Date | Oct 10, 2025 |
| Instrument | 87871 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | May 31, 2017 |
| Property Address | 16 DOUGLAS RD, GARDNER, MA 01440-1815 |
| Document Number | 57189-96 |
| Book / Page | 57189 / 96 |
| Instrument | 55170 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25.01 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 DOUGLAS RD, GARDNER, MA 01440-1815 |
| Document Number | 571890098 |
|---|---|
| Date | May 31, 2017 |
| Instrument | 57189/0098 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 31, 2047 |
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 | $3,784.00 (-1.79%) | $274,800 (+2.42%) Land $71,200 Building $203,600 | $318,150 (+0.75%) |
| 2025 | $3,853.00 (-4.06%) | $268,300 (+0.15%) Land $64,700 Building $203,600 | $315,780 |
| 2024 | $4,016.00 (+8.63%) | $267,900 (+16.88%) Land $58,800 Building $209,100 | |
| 2023 | $3,697.00 | $229,200 Land $58,000 Building $171,200 |
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
| 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.
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.
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 380 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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