165 Oak St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 165 Oak St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,007 sqft · built 1914
Lot Size	0.157 acres (6,859 sqft)
Owner	Individual Name on Record
Last Sale	$197,900 (Feb 2017)
Tax Bill	$46 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:O-26 B:0027 L:0041`

Property Details

APN / Parcel Number

Primary APN	`M:O-26 B:0027 L:0041`
Alternative APN	`GARD M:M27 B:20 L:41`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,007 sqft Living Area
Gross Area	4,195 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Conventional
Exterior Material	Asbestos
Roof Type	Gable
Roof Material	Slate
Lot Area	6,859 sqft (0.157 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	165 OAK ST
City	GARDNER
State	MA
Zip	01440-3819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	20
Legal Lot Number	41
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2008
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, as of July 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	165 OAK ST, GARDNER, MA 01440-3819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Oct 12, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 12, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 24, 2017	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2017 · Amount on Record
Deed Sale	Feb 24, 2017 · Amount on Record
Prior Sale	Mar 31, 2004 · Amount on Record
Deed Document Number	201719764
Deed Book / Page	56779 / 256
Transfer Doc	43134-140
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Jul 29, 2026
Property Address	165 OAK ST, GARDNER, MA 01440-3819
Document Number	0000064277
Book / Page	73946 / 122
Instrument Date	Jun 29, 2026
Instrument	202664277
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 OAK ST, GARDNER, MA 01440-3819

Mortgage

Document Number	0000064277,
Date	Jul 29, 2026
Book Page	73946/122
Instrument	202664277

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2051

Interest

Rate	6.53%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	165 OAK ST, GARDNER, MA 01440-3819
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066276-20
Date	Oct 12, 2021
Book Page	66276/20
Instrument	143169

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	165 OAK ST, GARDNER, MA 01440-3819
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66276-20
Date	Oct 12, 2021
Book Page	66276/20
Instrument	143169

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 24, 2017
Property Address	165 OAK ST, GARDNER, MA 01440-3819
Document Number	56779-256
Book / Page	056779 / 000256
Instrument Date	Feb 21, 2017
Instrument	19764
Transaction Type	Transfer
Record Updated	Mar 15, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$902.42
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 OAK ST GARDNER MA 014403819, GARDNER, MA 01440-3819

Mortgage

Document Number	56779-260
Date	Feb 24, 2017
Book Page	056779/000260
Instrument	19765

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2047

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	Assessed Market Value
2025	$46.00 (-99.01%)	$320,300 (+3.59%) Land $66,700 Building $253,600	$315,875
2024	$4,635.00 (+2.3%)	$309,200 (+10.07%) Land $60,600 Building $248,600
2023	$4,531.00	$280,900 Land $59,700 Building $221,200

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

Flood

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

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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