196 Oak St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 196 Oak St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,314 sqft · built 1950
Lot Size	0.395 acres (17,214 sqft)
Owner	Individual Name on File
Last Sale	$198,000 (Feb 2018)
Tax Bill	$4,722 (2026)
Deeds & Mortgages	Jan 2021 Refinance Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:19 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:19 L:2`
Alternative APN	`M:O-27 B:0023 L:0002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,314 sqft Living Area
Gross Area	2,964 sqft
Basement Area	1,314 sqft
Unfinished Basement	1,314 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,214 sqft (0.395 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	196 OAK ST
City	GARDNER
State	MA
Zip	01440-3820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	19
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2007
Census Tract	707400

Owner

196 Oak St is owned and occupied by an individual who bought it in February 2018.

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

Owner of Record	Individual Name on File
Mailing Address	196 OAK ST, GARDNER, MA 01440-3820
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WINTRUST MORTGAGE
Sep 27, 2019	Deed of Trust, Mortgage · VA Mortgage WINTRUST MORTGAGE
Feb 5, 2018	Quit Claim Deed, Transfer WINTRUST MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2018 · Amount on File
Deed Sale	Feb 5, 2018 · Amount on File
Prior Sale	Jul 27, 2007 · Amount on File
Deed Book / Page	58405 / 329
Transfer Doc	058405-329
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	196 OAK ST, GARDNER, MA 01440-3820
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064154-338
Date	Jan 5, 2021
Book Page	64154/338
Instrument	1290

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	196 OAK ST, GARDNER, MA 01440-3820
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61137-102
Date	Sep 27, 2019
Book Page	61137/102
Instrument	101270

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 5, 2018
Property Address	196 OAK ST, GARDNER, MA 01440-3820
Document Number	58405-329
Book / Page	58405 / 329
Instrument	11912
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.17
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 OAK ST, GARDNER, MA 01440-3820

Mortgage

Document Number	584050333
Date	Feb 5, 2018
Instrument	58405/0333

Lender

Name	WINTRUST MTG CORP

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 196 Oak St was $4,722, up 10,165.2% 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	$4,722.00 (+10,165.22%)	$342,900 (+4.86%) Land $80,200 Building $262,700	$361,020 (+34.95%)
2025	$46.00 (-99.01%)	$327,000 (+4.98%) Land $72,900 Building $254,100	$267,520
2024	$4,669.00 (+8.25%)	$311,500 (+16.49%) Land $66,300 Building $245,200
2023	$4,313.00	$267,400 Land $65,400 Building $202,000

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

Flood

FEMA maps place 196 Oak 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

Wildfire risk around 196 Oak 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.

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 519 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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