20 Comee St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 20 Comee St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,910 sqft · built 1951
Lot Size	0.468 acres (20,390 sqft)
Owner	2 Company Names on Record
Last Sale	$560,000 (Dec 2023)
Tax Bill	$8,039 (2026)
Deeds & Mortgages	Feb 2024 Refinance Apr 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:S-26 B:0002 L:0004`

Property Details

APN / Parcel Number

Primary APN	`M:S-26 B:0002 L:0004`
Alternative APN	`GARD M:R27 B:24 L:59`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,910 sqft Living Area
Gross Area	8,732 sqft
Basement Area	2,256 sqft
Unfinished Basement	2,256 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,390 sqft (0.468 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	20 COMEE ST
City	GARDNER
State	MA
Zip	01440-2306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	RACHEL BROOKS
Legal Block	24
Legal Lot Number	59
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3002
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 Company Names on Record
Mailing Address	20 COMEE ST, GARDNER, MA 01440-2306
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION
Apr 22, 2024	Quit Claim Deed, Transfer Quitclaim
Dec 15, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GFA FEDERAL CREDIT UNION
Sep 30, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TIGHE MATHIEU
Jun 25, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2023 · Amount on Record
Deed Sale	Dec 15, 2023 · Amount on Record
Prior Sale	Sep 30, 2021 · Amount on Record
Deed Book / Page	69998 / 237
Last Transfer Date	Feb 27, 2024
Transfer Doc	070419-146
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	20 COMEE ST, GARDNER, MA 01440-2306
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070174-77
Date	Feb 7, 2024
Book Page	70174/77
Instrument	9469

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 22, 2024
Property Address	20 COMEE ST, GARDNER, MA 01440-2306
Document Number	070419-146
Book / Page	70419 / 146
Instrument Date	Feb 27, 2024
Instrument	28931
Transaction Type	Transfer
Record Updated	May 10, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 COMEE ST, GARDNER, MA 01440-2306

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 15, 2023
Property Address	20 COMEE ST, GARDNER, MA 01440-2306
Document Number	069998-237
Book / Page	69998 / 237
Instrument Date	Dec 15, 2023
Instrument	105037
Transaction Type	Transfer
Record Updated	Dec 29, 2023

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	20 COMEE ST, GARDNER, MA 01440-2306

Mortgage

Document Number	0000105038
Date	Dec 15, 2023
Instrument	105038

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Jan 1, 2029
Max Rate At Change	2.75%
Index	3-Year CMT

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 30, 2021
Property Address	20 COMEE ST, GARDNER, MA 01440-2306
Document Number	66188-156
Book / Page	66188 / 156
Instrument Date	Sep 30, 2021
Instrument	137416
Transaction Type	Transfer
Record Updated	Oct 15, 2021

Transaction

Amount	Amount Recorded
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	20 COMEE ST, GARDNER, MA 01440-2306

Mortgage

Document Number	137417
Date	Sep 30, 2021
Instrument	137417

Lender

Name	TIGHE MATHIEU

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 25, 2020
Property Address	20 COMEE ST, GARDNER, MA 01440-2306
Document Number	62666-383
Book / Page	62666 / 383
Instrument Date	Jun 8, 2020
Instrument	67337
Transaction Type	Transfer
Record Updated	May 12, 2021

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	20 COMEE ST, GARDNER, MA 01440-2306

Mortgage

Document Number	67339
Date	Jun 25, 2020
Instrument	67339

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$8,039.00 (+9,824.69%)	$583,800 (+3.35%) Land $90,500 Building $493,300	$576,467 (+10.77%)
2025	$81.00 (-99.04%)	$564,900 (+0.02%) Land $82,300 Building $482,600	$520,410
2024	$8,466.00 (+7.33%)	$564,800 (+15.5%) Land $74,800 Building $490,000
2023	$7,888.00	$489,000 Land $73,700 Building $415,300

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	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 244 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.

Nearby Properties on Comee St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures