194 Willis Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 194 Willis Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,778 sqft · built 1975
Lot Size	0.918 acres (40,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Oct 2024)
Tax Bill	$6,736 (2026)
Deeds & Mortgages	Dec 2023 Mortgage Oct 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:Y-25 B:0003 L:0002`

Property Details

APN / Parcel Number

Primary APN	`M:Y-25 B:0003 L:0002`
Alternative APN	`GARD M:W27 B:25 L:13`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,778 sqft Living Area
Gross Area	5,108 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,000 sqft (0.918 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	194 WILLIS RD
City	GARDNER
State	MA
Zip	01440-2450
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	GERALD N & DORIS H ST JOHN
Legal Block	25
Legal Lot Number	13
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2009
Census Tract	707500

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	2 Individual Names on Record
Mailing Address	194 WILLIS RD, GARDNER, MA 01440-2450
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) GFA FEDERAL CREDIT UNION
Oct 8, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MILLBURY CU
Nov 29, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance CLINTON SAVINGS BANK
Oct 1, 2018	Deed of Trust, Mortgage · Line of Credit GFA FEDERAL CREDIT UNION
Jan 28, 2020	Deed of Trust, Mortgage · Balloon Mortgage GFA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2024 · Amount on Record
Deed Sale	Oct 8, 2024 · Amount on Record
Prior Sale	May 9, 2016 · Amount on Record
Deed Book / Page	71130 / 106
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	194 WILLIS RD, GARDNER, MA 01440-2450
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069967-248
Date	Dec 7, 2023
Book Page	69967/248
Instrument	102504

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2034

October 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 8, 2024
Property Address	194 WILLIS RD, GARDNER, MA 01440-2450
Document Number	071130-106
Book / Page	71130 / 106
Instrument Date	Oct 8, 2024
Instrument	82583
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	194 WILLIS RD, GARDNER, MA 01440-2450

Mortgage

Document Number	0000082584
Date	Oct 8, 2024
Instrument	82584

Lender

Name	MILLBURY CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Type Change Date	Nov 1, 2029
Max Rate At Change	3%
Index	1-Year CMT
Margin	3

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 29, 2021
Property Address	194 WILLIS RD, GARDNER, MA 01440-2450
Document Number	066621-275
Book / Page	66621 / 275
Instrument Date	Nov 23, 2021
Instrument	165952
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	194 WILLIS RD, GARDNER, MA 01440-2450

Mortgage

Document Number	0000165953
Date	Nov 29, 2021
Instrument	165953

Lender

Name	CLINTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	194 WILLIS RD, GARDNER, MA 01440-2450
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59490-388
Date	Oct 1, 2018
Book Page	59490/388
Instrument	104310

Lender

Name	GFA FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2038

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	194 WILLIS RD, GARDNER, MA 01440-2450
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61802-309
Date	Jan 28, 2020
Book Page	61802/309
Instrument	8767

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2040

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	$6,736.00 (+12,374.07%)	$489,200 (+28.3%) Land $92,800 Building $396,400	$503,019 (+0.45%)
2025	$54.00 (-99.04%)	$381,300 (+1.27%) Land $84,400 Building $296,900	$500,745
2024	$5,644.00 (+6.65%)	$376,500 (+14.75%) Land $76,800 Building $299,700
2023	$5,292.00	$328,100 Land $75,600 Building $252,500

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

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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