19 Tracey St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,828 sqft · built 1920
Lot Size	0.797 acres (34,700 sqft)
Owner	Individual Name on Record
Last Sale	$234,900 (Oct 2018)
Tax Bill	$5,748 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Dec 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:8 L:18`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:8 L:18`
Alternative APN	`M:R-18 B:0004 L:0018`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,828 sqft Living Area
Gross Area	3,323 sqft
Basement Area	1,013 sqft
Unfinished Basement	1,013 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	34,700 sqft (0.797 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	19 TRACEY ST
City	GARDNER
State	MA
Zip	01440-4118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	8
Legal Lot Number	18
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2012
Census Tract	707100

Owner

Source: Worcester County and Gardner City records, as of October 20, 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 Record
Mailing Address	19 TRACEY ST, GARDNER, MA 01440-4118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2022	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU
Dec 15, 2025	Deed of Trust, Mortgage · Line of Credit ALL ONE CREDIT UNION
May 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEOMINSTER CU
Oct 5, 2018	Quit Claim Deed, Transfer · Conventional with PMI LEOMINSTER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2018 · Amount on Record
Deed Sale	Oct 5, 2018 · Amount on Record
Prior Sale	Mar 7, 2018 · Amount on Record
Deed Book / Page	59512 / 357
Transfer Doc	059512-357
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	19 TRACEY ST, GARDNER, MA 01440-4118
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068243-13
Date	Sep 21, 2022
Book Page	68243/13
Instrument	103496

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2042

Interest

Rate Type	Adjustable Rate

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	19 TRACEY ST, GARDNER, MA 01440-4118
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072969-367
Date	Dec 15, 2025
Book Page	72969/367
Instrument	109526

Lender

Name	ALL ONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2046

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	19 TRACEY ST, GARDNER, MA 01440-4118
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	062336-378
Date	May 5, 2020
Book Page	62336/378
Instrument	45464

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 5, 2018
Property Address	19 TRACEY ST, GARDNER, MA 01440-4118
Document Number	59512-357
Book / Page	059512 / 000357
Instrument Date	Oct 5, 2018
Instrument	106228
Transaction Type	Transfer
Record Updated	Oct 23, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,071.14
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 TRACEY ST GARDNER MA 014404118, GARDNER, MA 01440-4118

Mortgage

Document Number	59512-360
Date	Oct 5, 2018
Book Page	059512/000360
Instrument	106229

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2048

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	$5,748.00 (+5.62%)	$417,400 (+10.13%) Land $90,500 Building $326,900	$428,213 (+25.98%)
2025	$5,442.00 (+1.59%)	$379,000 (+6.04%) Land $82,300 Building $296,700	$339,910
2024	$5,357.00 (+2.66%)	$357,400 (+10.48%) Land $74,900 Building $282,500
2023	$5,218.00	$323,500 Land $73,700 Building $249,800

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	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

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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber, Verizon.

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