Worcester County and Gardner City property record for 191 Sand St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,040 sqft · built 1951 |
| Lot Size | 0.182 acres (7,921 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,250 (Feb 1991) |
| Tax Bill | $4,563 (2026) |
| Deeds & Mortgages | Feb 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M27 B:8 L:4 |
| Primary APN | GARD M:M27 B:8 L:4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| Gross Area | 2,420 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 1,040 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,921 sqft (0.182 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 191 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 | 4 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 707400 |
191 Sand St is owned and occupied by two individuals who bought it in February 1991.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 191 SAND ST, GARDNER, MA 01440-1941 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 25, 1991 · Amount on File |
| Deed Sale | Feb 25, 1991 · Amount on File |
| Deed Book / Page | 13256 / 78 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 191 SAND ST, GARDNER, MA 01440-1941 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 067065-298 |
|---|---|
| Date | Feb 4, 2022 |
| Book Page | 67065/298 |
| Instrument | 14070 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 191 Sand St was $4,563, up 10,04% 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 | $4,563.00 (+10,04%) | $331,400 (+4.87%) Land $81,500 Building $249,900 | $371,303 (-18.52%) |
| 2025 | $45.00 (-99%) | $316,000 (+5.54%) Land $74,000 Building $242,000 | $455,715 |
| 2024 | $4,488.00 (+5.48%) | $299,400 (+13.5%) Land $67,300 Building $232,100 | |
| 2023 | $4,255.00 | $263,800 Land $66,300 Building $197,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 191 Sand 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 191 Sand 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 | 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 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.
5G (outdoors only) and 4G LTE
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