Worcester County and Gardner City property record for 165 Ryan St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,117 sqft · built 1949 |
| Lot Size | 0.31 acres (13,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $80,000 (Apr 2020) |
| Tax Bill | $3,868 (2026) |
| Deeds & Mortgages | Apr 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | M:K-32 B:0016 L:0011A |
| Primary APN | M:K-32 B:0016 L:0011A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,117 sqft Living Area |
| Gross Area | 2,736 sqft |
| Basement Area | 754 sqft |
| Unfinished Basement | 754 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,500 sqft (0.31 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 165 RYAN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 11 |
| Legal Lot Number | 11A |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1025 |
| 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 | 165 RYAN ST, GARDNER, MA 01440-1523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 3, 2020 · Amount on Record |
| Deed Sale | Apr 3, 2020 · Amount on Record |
| Deed Document Number | 202034067 |
| Deed Book / Page | 62152 / 271 |
| Prior Transfer Date | Mar 31, 2020 |
| Prior Transfer Doc | 62152-271 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 3, 2020 |
| Property Address | 165 RYAN ST, GARDNER, MA 01440-1523 |
| Document Number | 62152-271 |
| Book / Page | 062152 / 000271 |
| Instrument Date | Mar 31, 2020 |
| Instrument | 34067 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $365.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 165 RYAN ST GARDNER MA 014401523, GARDNER, MA 01440-1523 |
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 | $3,868.00 (+10,354.05%) | $280,900 (+8.41%) Land $77,700 Building $203,200 | $302,877 (+6.95%) |
| 2025 | $37.00 (-98.99%) | $259,100 (+6.28%) Land $70,600 Building $188,500 | $283,195 |
| 2024 | $3,655.00 (+2.9%) | $243,800 (+10.72%) Land $64,300 Building $179,500 | |
| 2023 | $3,552.00 | $220,200 Land $63,400 Building $156,800 |
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 · 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.
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 | Direct burnable vegetation |
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 147 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 |
4G LTE (outdoors only), no 5G reported
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