19 Nutting St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 19 Nutting St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,162 sqft · built 1930
Lot Size	0.36 acres (15,683 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (May 2026)
Tax Bill	$4,764 (2026)
Deeds & Mortgages	Jul 2022 Mortgage May 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:3 L:23`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:3 L:23`
Alternative APN	`M:S-14 B:0008 L:0023`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	2,162 sqft Living Area
Gross Area	3,733 sqft
Basement Area	676 sqft
Unfinished Basement	676 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Lot Area	15,683 sqft (0.36 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Street Address	19 NUTTING ST
City	GARDNER
State	MA
Zip	01440-3501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	3
Legal Lot Number	23
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1036
Census Tract	707100

Owner

19 Nutting St is owned and occupied by two individuals who bought it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	19 NUTTING ST, GARDNER, MA 01440-3501
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 20, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) GFA FEDERAL CREDIT UNION
May 19, 2026	Quit Claim Deed, Transfer · Conventional Mortgage TOTAL MORTGAGE SERVICES
Apr 3, 2026	Quit Claim Deed, Transfer Quitclaim
Dec 5, 2025	Quit Claim Deed, Transfer Quitclaim
Dec 5, 2025	Quit Claim Deed, Transfer Quitclaim
Dec 5, 2025	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2026 · Amount on File
Deed Sale	May 19, 2026 · Amount on File
Prior Sale	Apr 2, 2001 · Amount on File
Deed Document Number	202639604
Deed Book / Page	73597 / 297
Prior Transfer Date	Nov 5, 2025
Prior Transfer Doc	072925-203
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	19 NUTTING ST, GARDNER, MA 01440-3501
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067936-135
Date	Jul 20, 2022
Book Page	67936/135
Instrument	79290

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	61 Months
Due	Aug 1, 2027

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 19, 2026
Property Address	19 NUTTING ST, GARDNER, MA 01440-3501
Document Number	073597-297
Book / Page	73597 / 297
Instrument Date	May 8, 2026
Instrument	202639604
Transaction Type	Transfer
Record Updated	Jun 9, 2026

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

Mortgage

Date	May 19, 2026

Lender

Name	TOTAL MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.46%
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 3, 2026
Property Address	19 NUTTING ST, GARDNER, MA 01440-3501
Document Number	073405-277
Book / Page	73405 / 277
Instrument Date	Jan 23, 2026
Instrument	202625796
Transaction Type	Transfer
Record Updated	Aug 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	19 NUTTING ST, GARDNER, MA 01440-3501
Investor	Possibly a Property Investor

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 5, 2025
Property Address	19 NUTTING ST, GARDNER, MA 01440-3501
Document Number	072925-199
Book / Page	72925 / 199
Instrument Date	Nov 5, 2025
Instrument	106384
Transaction Type	Transfer
Record Updated	Dec 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	19 NUTTING ST, GARDNER, MA 01440-3501

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 5, 2025
Property Address	19 NUTTING ST, GARDNER, MA 01440-3501
Document Number	072925-203
Book / Page	72925 / 203
Instrument Date	Nov 5, 2025
Instrument	106385
Transaction Type	Transfer
Record Updated	Dec 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	19 NUTTING ST, GARDNER, MA 01440-3501

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 5, 2025
Property Address	19 NUTTING ST, GARDNER, MA 01440-3501
Document Number	072925-195
Book / Page	72925 / 195
Instrument Date	Oct 31, 2025
Instrument	106383
Transaction Type	Transfer
Record Updated	Dec 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	19 NUTTING ST, GARDNER, MA 01440-3501

Tax Assessment & Valuation

The 2026 property tax bill for 19 Nutting St was $4,764, down 9.3% 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	$4,764.00 (-9.27%)	$346,000 (-5.39%) Land $82,200 Building $263,800	$396,131 (+10.08%)
2025	$5,251.00 (+2.7%)	$365,700 (+7.21%) Land $72,000 Building $293,700	$359,860
2024	$5,113.00 (-2.41%)	$341,100 (+5.02%) Land $65,500 Building $275,600
2023	$5,239.00	$324,800 Land $64,600 Building $260,200

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

Flood

FEMA maps place 19 Nutting St in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 19 Nutting St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Nutting St

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