Worcester County and Gardner City property record for 16 Knowlton St, Gardner, MA 01440
| Property Type | Triplex |
|---|---|
| Details | 9 bd · 3 ba · 3,352 sqft · built 1900 |
| Lot Size | 0.109 acres (4,756 sqft) |
| Owner | Company Name on Record |
| Last Sale | $500,000 (Dec 2024) |
| Tax Bill | $54 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Jun 2026 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:O-22 B:0001 L:0040 |
| Primary APN | M:O-22 B:0001 L:0040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 9 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 15 Rooms |
| Units | 3 Units |
| Stories | 3 Stories |
| Building Area | 3,352 sqft Living Area |
| Gross Area | 3,964 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 4,756 sqft (0.109 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 16 KNOWLTON ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2697 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Block | 15 |
| Legal Lot Number | 40 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 707300 |
Source: Worcester County and Gardner City records, as of September 23, 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 | 14 BROAD MEADOW DR, LUNENBURG, MA 01462-1207 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Sep 4, 2026 | Deed of Trust, Mortgage ROCKLAND TRUST COMPANY |
| Jun 8, 2026 | Deed of Trust, Mortgage ROCKLAND TRUST COMPANY |
| Jan 5, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNIBANK FOR SAVINGS |
| Nov 8, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance ARC HOME LLC |
| Nov 8, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance ARC HOME LLC |
| Jan 18, 2019 | Quit Claim Deed, Transfer · Commercial Mortgage Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2024 · Amount on Record |
| Deed Sale | Dec 6, 2024 · Amount on Record |
| Prior Sale | Jan 5, 2023 · Amount on Record |
| Deed Document Number | 2024101650 |
| Deed Book / Page | 71384 / 49 |
| Last Transfer Date | Dec 10, 2024 |
| Transfer Doc | 071400-114 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Sep 4, 2026 |
| Property Address | 16 KNOWLTON ST, GARDNER, MA 01440-2697 |
| Document Number | 0000078247 |
| Book / Page | 74136 / 338 |
| Instrument Date | Sep 3, 2026 |
| Instrument | 202678247 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000078247, |
|---|---|
| Date | Sep 4, 2026 |
| Book Page | 74136/338 |
| Instrument | 202678247 |
| Name | ROCKLAND TRUST COMPANY |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 8, 2026 |
| Property Address | 16 KNOWLTON ST, GARDNER, MA 01440-2697 |
| Document Number | 073689-177 |
| Book / Page | 73689 / 177 |
| Instrument Date | Jun 8, 2026 |
| Instrument | 202646051 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000046051, |
|---|---|
| Date | Jun 8, 2026 |
| Book Page | 73689/177 |
| Instrument | 202646051 |
| Name | ROCKLAND TRUST COMPANY |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jan 5, 2023 |
| Property Address | 16 KNOWLTON ST, GARDNER, MA 01440-2697 |
| Document Number | 068685-361 |
| Book / Page | 68685 / 361 |
| Instrument Date | Jan 4, 2023 |
| Instrument | 819 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2023 |
| 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 |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 39 JOHNSON AVE, NORTHBRIDGE, MA 01534 |
| Document Number | 0000000820 |
|---|---|
| Date | Jan 5, 2023 |
| Instrument | 820 |
| Name | UNIBANK FOR SAVINGS |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Feb 1, 2030 |
| Max Rate At Change | 3.88% |
| Index | 1-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Nov 8, 2021 |
| Property Address | 16 KNOWLTON ST, GARDNER, MA 01440-2697 |
| Document Number | 66483-271 |
| Book / Page | 66483 / 271 |
| Instrument Date | Oct 21, 2021 |
| Instrument | 156971 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 4207 S DALE MABRY HWY UNIT 10301, 10301, TAMPA, FL 33611-1441 |
| Document Number | 66483-276 |
|---|---|
| Date | Nov 8, 2021 |
| Book Page | 66483/276 |
| Instrument | 156972 |
| Name | ARC HOME LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Nov 8, 2021 |
| Property Address | 16 KNOWLTON ST, GARDNER, MA 01440-2697 |
| Document Number | 066483-271 |
| Book / Page | 66483 / 271 |
| Instrument Date | Oct 21, 2021 |
| Instrument | 156971 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 4207 S DALE MABRY HWY UNIT 10301, 10301, TAMPA, FL 33611-1441 |
| Document Number | 0000156972 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 156972 |
| Name | ARC HOME LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jan 18, 2019 |
| Property Address | 16 KNOWLTON ST, GARDNER, MA 01440-2697 |
| Document Number | 59952-200 |
| Book / Page | 59952 / 200 |
| Instrument Date | Dec 31, 2018 |
| Instrument | 5372 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| 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 | 7 WARRIOR RD, TAUNTON, MA 02780-2051 |
| Document Number | - |
|---|---|
| Date | Jan 18, 2019 |
| Instrument | 5373 |
| Type | Bank |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 |
|---|---|---|
| 2025 | $54.00 (-98.77%) | $376,500 (+28.37%) Land $65,200 Building $311,300 |
| 2024 | $4,397.00 (+2.78%) | $293,300 (+10.6%) Land $59,300 Building $234,000 |
| 2023 | $4,278.00 | $265,200 Land $58,400 Building $206,800 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 446 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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