165 Willis Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 165 Willis Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,394 sqft · built 1929
Lot Size	2.01 acres (87,878 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Jun 2017)
Tax Bill	$6,986 (2026)
Deeds & Mortgages	Jan 2020 Mortgage Jun 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`M:W-22 B:0007 L:0017`

Property Details

APN / Parcel Number

Primary APN	`M:W-22 B:0007 L:0017`
Alternative APN	`GARD M:W27 B:25 L:17`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,394 sqft Living Area
Gross Area	3,915 sqft
Basement Area	1,023 sqft
Unfinished Basement	1,023 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,878 sqft (2.01 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	165 WILLIS RD
City	GARDNER
State	MA
Zip	01440-2449
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	25
Legal Lot Number	17
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2019
Census Tract	707500

Owner

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 WILLIS RD, GARDNER, MA 01440-2449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2020	Deed of Trust, Mortgage · Balloon Mortgage RTN FEDERAL CREDIT UNION
Jun 16, 2017	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2017 · Amount on Record
Deed Sale	Jun 16, 2017 · Amount on Record
Prior Sale	May 3, 2017 · Amount on Record
Deed Document Number	201762602
Deed Book / Page	57274 / 319
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	165 WILLIS RD, GARDNER, MA 01440-2449
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61804-66
Date	Jan 28, 2020
Book Page	61804/66
Instrument	8848

Lender

Name	RTN FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2040

June 2017: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 16, 2017
Property Address	165 WILLIS RD, GARDNER, MA 01440-2449
Document Number	57274-319
Book / Page	057274 / 000319
Instrument Date	Jun 14, 2017
Instrument	62602
Transaction Type	Transfer
Record Updated	Jul 4, 2017

Transaction

Amount	Amount Recorded
Tax	$592.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 WILLIS RD GARDNER MA 014402449, GARDNER, MA 01440-2449

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
2026	$6,986.00 (+3.36%)	$507,300 (+7.78%) Land $99,200 Building $408,100	$547,643 (+12.35%)
2025	$6,759.00 (-0.15%)	$470,700 (+4.23%) Land $90,200 Building $380,500	$487,445
2024	$6,769.00 (+1.93%)	$451,600 (+9.69%) Land $82,400 Building $369,200
2023	$6,641.00	$411,700 Land $80,600 Building $331,100

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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