181 Sand St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 181 Sand St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,274 sqft · built 1960
Lot Size	0.398 acres (17,337 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (May 2022)
Tax Bill	$5,120 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Aug 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:8 L:3`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:8 L:3`
Alternative APN	`M:M-28 B:0029 L:0022`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,274 sqft Living Area
Gross Area	3,342 sqft
Basement Area	1,274 sqft
Unfinished Basement	1,274 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,337 sqft (0.398 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	181 SAND ST
City	GARDNER
State	MA
Zip	01440-1941
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	8
Legal Lot Number	3
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2003
Census Tract	707400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	181 SAND ST, GARDNER, MA 01440-1941
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Quit Claim Deed, Transfer · FHA Mortgage ROSS MORTGAGE COMPANY INC
Aug 24, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 11, 2017	Quit Claim Deed, Transfer · FHA Mortgage ROSS MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2022 · Amount on File
Deed Sale	May 12, 2022 · Amount on File
Prior Sale	Aug 11, 2017 · Amount on File
Deed Book / Page	67581 / 341
Record Updated	Oct 29, 2026

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 12, 2022
Property Address	181 SAND ST, GARDNER, MA 01440-1941
Document Number	067581-341
Book / Page	67581 / 341
Instrument Date	May 12, 2022
Instrument	52030
Transaction Type	Transfer
Record Updated	May 27, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Relationship	Tenants by the Entirety
Address	181 SAND ST, GARDNER, MA 01440-1941

Mortgage

Document Number	0000052031
Date	May 12, 2022
Instrument	52031

Lender

Name	ROSS MORTGAGE COMPANY INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 24, 2020
Property Address	181 SAND ST, GARDNER, MA 01440-1941
Document Number	63084-1
Book / Page	063084 / 000001
Instrument Date	Aug 19, 2020
Instrument	94880
Transaction Type	Transfer
Record Updated	Sep 15, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 SAND ST GARDNER MA 014401941, GARDNER, MA 01440-1941

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 11, 2017
Property Address	181 SAND ST, GARDNER, MA 01440-1941
Document Number	57571-384
Book / Page	57571 / 384
Instrument	87757
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32.65
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 SAND ST, GARDNER, MA 01440-1941

Mortgage

Document Number	575710386
Date	Aug 11, 2017
Instrument	57571/0386

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 11, 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
2026	$5,120.00 (+9,939.22%)	$371,800 (+4.64%) Land $80,300 Building $291,500	$390,346 (+6.81%)
2025	$51.00 (-99%)	$355,300 (+4.93%) Land $73,000 Building $282,300	$365,465
2024	$5,076.00 (+12.35%)	$338,600 (+20.89%) Land $66,400 Building $272,200
2023	$4,518.00	$280,100 Land $65,400 Building $214,700

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 272 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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