182 Sand St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 182 Sand St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,326 sqft · built 1960
Lot Size	0.161 acres (6,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$104,000 (Aug 1989)
Tax Bill	$45 (2025)
Deeds & Mortgages	Mar 2019 Line of Credit Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:8 L:17`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:8 L:17`
Alternative APN	`M:M-28 B:0024 L:0017`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,326 sqft Living Area
Gross Area	3,106 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	6,994 sqft (0.161 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	182 SAND ST
City	GARDNER
State	MA
Zip	01440-1942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	8
Legal Lot Number	17
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1033
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	182 SAND ST, GARDNER, MA 01440-1942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2019	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU
Feb 17, 2018	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 1989 · Amount on Record
Deed Sale	Aug 4, 1989 · Amount on Record
Record Updated	Jun 8, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	182 SAND ST, GARDNER, MA 01440-1942
Document Number	60168-362
Instrument Date	Mar 15, 2019
Transaction Type	Mortgage
Record Updated	Apr 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	182 SAND ST GARDNER MA 014401942, GARDNER, MA 01440-1942

Mortgage

Document Number	60168-362
Date	Mar 20, 2019
Book Page	060168/000362
Instrument	24087

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 19, 2039

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	182 SAND ST, GARDNER, MA 01440-1942
Document Number	58466-315
Instrument Date	Feb 17, 2018
Transaction Type	Mortgage
Record Updated	Mar 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58466-315
Date	Feb 23, 2018
Book Page	058466/000315
Instrument	480

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 22, 2038

Interest

Rate Type	Adjustable Rate

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
2025	$45.00 (-99.01%)	$319,100 (+4.93%) Land $66,800 Building $252,300	$335,730
2024	$4,558.00 (+8.06%)	$304,100 (+16.29%) Land $60,700 Building $243,400
2023	$4,218.00	$261,500 Land $59,800 Building $201,700

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 · 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.

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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