17 Park St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 17 Park St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 2,940 sqft · built 1870
Lot Size	0.146 acres (6,365 sqft)
Owner	Individual Name on File
Last Sale	$208,000 (Nov 2020)
Tax Bill	$4,445 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Oct 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:16 L:4`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:16 L:4`
Alternative APN	`M:P-26 B:0102 L:0004`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,940 sqft Living Area
Gross Area	4,432 sqft
Basement Area	584 sqft
Unfinished Basement	584 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,365 sqft (0.146 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	17 PARK ST
City	GARDNER
State	MA
Zip	01440-1644
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	16
Legal Lot Number	4
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1018
Census Tract	707500

Owner

17 Park St, a duplex, is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	17 PARK ST, GARDNER, MA 01440-1644
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
Jan 16, 2024	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Oct 17, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Jan 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FCU
Nov 2, 2020	Quit Claim Deed, Transfer · FHA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2020 · Amount on File
Deed Sale	Nov 2, 2020 · Amount on File
Prior Sale	Nov 27, 1992 · Amount on File
Deed Document Number	2020132504
Deed Book / Page	63652 / 300
Prior Transfer Date	Oct 21, 2020
Prior Transfer Doc	63652-300
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	17 PARK ST, GARDNER, MA 01440-1644
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070095-361
Date	Jan 16, 2024
Book Page	70095/361
Instrument	3300

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	17 PARK ST, GARDNER, MA 01440-1644
Transaction Type	Mortgage
Record Updated	Nov 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068362-319
Date	Oct 17, 2022
Book Page	68362/319
Instrument	112719

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	17 PARK ST, GARDNER, MA 01440-1644
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066924-60
Date	Jan 11, 2022
Book Page	66924/60
Instrument	3846

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 2, 2020
Property Address	17 PARK ST, GARDNER, MA 01440-1644
Document Number	63652-300
Book / Page	63652 / 300
Instrument Date	Oct 21, 2020
Instrument	132504
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 GREENWOOD ST # 2, 2, GARDNER, MA 01440-4002

Mortgage

Document Number	132505
Date	Nov 2, 2020
Instrument	132505

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 17 Park St was $4,445, up 10,741.5% 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	$4,445.00 (+10,741.46%)	$322,800 (+10.43%) Land $73,000 Building $249,800	$375,847
2025	$41.00 (-98.96%)	$292,300 (+11.31%) Land $66,400 Building $225,900
2024	$3,936.00 (+0.25%)	$262,600 (+7.89%) Land $60,400 Building $202,200
2023	$3,926.00	$243,400 Land $59,500 Building $183,900

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

Flood

FEMA maps place 17 Park St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 17 Park St is low, with less than 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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.

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 114 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: Gateway Fiber, T-Mobile.

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