Worcester County and Gardner City property record for 18 Cedar St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1830 |
| Square Footage | 1,641 sqft Living Area |
| Lot Size | 16,355 sqft (0.375 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $195,000 (2017) |
| Tax Bill | $44.00 (2025) |
| Primary APN | M:R-25 B:0005 L:0019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,641 sqft Living Area |
| Gross Area | 2,577 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1830 |
|---|---|
| Effective Year Built | Effective 1830 |
| Architectural Style | Conventional Style |
| Exterior Material | Wood Siding Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 16,355 sqft (0.375 acres) |
| Heating System | Steam Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Street Address | 18 CEDAR ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2318 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Subdivision | ALICE B HILL |
| Legal Block | 18 |
| Legal Lot Number | 39 |
| Jurisdiction | GARDNER MA |
| Minor Civil Division | GARDNER |
| Census Blockgroup | 3 |
| Census Block | 3004 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City records · APN M:R-25 B:0005 L:0019
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 18 CEDAR ST, GARDNER, MA 01440-2318 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 22, 2022 | Deed of Trust, Mortgage · Stand Alone Refinance WORKERS CU |
| Jul 14, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) WORKERS CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 14, 2017 · Amount on Record |
| Deed Sale | Jul 14, 2017 · Amount on Record |
| Prior Sale | Jul 30, 2015 · Amount on Record |
| Deed Book / Page | 57417 / 71 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 18 CEDAR ST, GARDNER, MA 01440-2318 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0067790-97 |
|---|---|
| Date | Jun 22, 2022 |
| Book Page | 67790/97 |
| Instrument | 68061 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 01, 2032 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 14, 2017 |
| Property Address | 18 CEDAR ST, GARDNER, MA 01440-2318 |
| Document Number | 57417-71 |
| Book / Page | 057417 / 000071 |
| Instrument Date | Jul 12, 2017 |
| Instrument | 74612 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $889.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 114 PACKARD HILL RD ASHBURNHAM MA 014301225, ASHBURNHAM, MA 01430-1225 |
| Document Number | 57417-74 |
|---|---|
| Date | Jul 14, 2017 |
| Book Page | 057417/000074 |
| Instrument | 74613 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 13, 2047 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $44.00 (-99%) | $311,800 (+5.69%) Land $72,400 Building $239,400 | $367,080 |
| 2024 | $4,422.00 (+2.34%) | $295,000 (+10.12%) Land $65,800 Building $229,200 | |
| 2023 | $4,321.00 | $267,900 Land $64,900 Building $203,000 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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