160 Sand St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 160 Sand St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,032 sqft · built 1962
Lot Size	0.177 acres (7,696 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Jul 2017)
Tax Bill	$4,481 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Jul 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:8 L:14`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:8 L:14`
Alternative APN	`M:M-28 B:0021 L:0014`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,032 sqft Living Area
Gross Area	2,650 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,696 sqft (0.177 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	160 SAND ST
City	GARDNER
State	MA
Zip	01440-1942
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	8
Legal Lot Number	14
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1033
Census Tract	707400

Owner

160 Sand St is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	160 SAND ST, GARDNER, MA 01440-1942
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 8, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 11, 2017	Quit Claim Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
Mar 24, 2017	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2017 · Amount on File
Deed Sale	Jul 11, 2017 · Amount on File
Prior Sale	Mar 24, 2017 · Amount on File
Deed Book / Page	57393 / 283
Transfer Doc	057393-283
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	160 SAND ST, GARDNER, MA 01440-1942
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0063197-73
Date	Sep 8, 2020
Book Page	63197/73
Instrument	102447

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Oct 1, 2047

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 11, 2017
Property Address	160 SAND ST, GARDNER, MA 01440-1942
Document Number	57393-283
Book / Page	57393 / 283
Instrument	72650
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32.52
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 SAND ST, GARDNER, MA 01440-1942

Mortgage

Document Number	573930287
Date	Jul 11, 2017
Instrument	57393/0287

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2047

March 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Mar 24, 2017
Property Address	160 SAND ST, GARDNER, MA 01440-1942
Document Number	56889-26
Book / Page	056889 / 000026
Instrument Date	Mar 8, 2017
Instrument	29650
Transaction Type	Foreclosure
Record Updated	Apr 11, 2017

Transaction

Amount	Amount on Record
Tax	$648.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	20 ADAMS ST LEOMINSTER MA 014535668, LEOMINSTER, MA 01453-5668

Tax Assessment & Valuation

The 2026 property tax bill for 160 Sand St was $4,481, up 10,084.1% 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	$4,481.00 (+10,084.09%)	$325,400 (+4.63%) Land $73,900 Building $251,500	$290,605 (+1.32%)
2025	$44.00 (-99.03%)	$311,000 (+3.19%) Land $67,200 Building $243,800	$286,805
2024	$4,518.00 (+7.37%)	$301,400 (+15.52%) Land $61,100 Building $240,300
2023	$4,208.00	$260,900 Land $60,200 Building $200,700

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

Flood

FEMA maps place 160 Sand St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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

Wildfire risk around 160 Sand 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 272 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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