Worcester County and Gardner City property record for 19 Rock St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,176 sqft · built 1920 |
| Lot Size | 0.154 acres (6,692 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,601 (2026) |
| Deeds & Mortgages | Aug 2021 Refinance Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:1 L:23 |
| Primary APN | GARD M:M22 B:1 L:23 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,176 sqft Living Area |
| Gross Area | 2,219 sqft |
| Basement Area | 713 sqft |
| Unfinished Basement | 713 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,692 sqft (0.154 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 19 ROCK ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 1 |
| Legal Lot Number | 23 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 707400 |
19 Rock St is owned and occupied by an individual who acquired it in October 2017.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 19 ROCK ST, GARDNER, MA 01440-1839 |
| 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.
| Date | Document |
|---|---|
| Aug 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION |
| Oct 4, 2017 | Quit Claim Deed, Transfer GFA FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 4, 2017 |
| Deed Sale | Oct 4, 2017 |
| Prior Sale | Aug 4, 2005 · Amount on File |
| Deed Document Number | 2017110162 |
| Deed Book / Page | 57838 / 342 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 19 ROCK ST, GARDNER, MA 01440-1839 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 65814-217 |
|---|---|
| Date | Aug 11, 2021 |
| Book Page | 65814/217 |
| Instrument | 112517 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 4, 2017 |
| Property Address | 19 ROCK ST, GARDNER, MA 01440-1839 |
| Document Number | 57838-342 |
| Book / Page | 57838 / 342 |
| Instrument | 110162 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $23.12 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 19 ROCK ST, GARDNER, MA 01440-1839 |
| Document Number | 57838-345 |
|---|---|
| Date | Oct 4, 2017 |
| Book Page | 57838/345 |
| Instrument | 110163 |
| Name | GFA FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Oct 1, 2032 |
The 2026 property tax bill for 19 Rock St was $3,601, up 10,491.2% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,601.00 (+10,491.18%) | $261,500 (+8.46%) Land $73,300 Building $188,200 | $296,370 (+6.04%) |
| 2025 | $34.00 (-98.98%) | $241,100 (+8.21%) Land $66,600 Building $174,500 | $279,490 |
| 2024 | $3,340.00 (+2.36%) | $222,800 (+10.13%) Land $60,500 Building $162,300 | |
| 2023 | $3,263.00 | $202,300 Land $59,600 Building $142,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 19 Rock 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 risk around 19 Rock 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 95% of the US · lower than 90% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 356 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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