20 Dublin St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,296 sqft · built 1900
Lot Size	0.091 acres (3,950 sqft)
Owner	Individual Name on File
Last Sale	$174,000 (Jul 2005)
Tax Bill	$4,017 (2026)
Deeds & Mortgages	Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M22 B:25 L:9`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M22 B:25 L:9`
Alternative APN	`M:O-20 B:0002 L:0009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,296 sqft Living Area
Gross Area	2,311 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,950 sqft (0.091 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	20 DUBLIN ST
City	GARDNER
State	MA
Zip	01440-2917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	25
Legal Lot Number	9
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3011
Census Tract	707300

Owner

20 Dublin St is owned and occupied by an individual who bought it in July 2005.

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

Owner of Record	Individual Name on File
Mailing Address	20 DUBLIN ST, GARDNER, MA 01440-2917
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2005 · Amount on File
Deed Sale	Jul 25, 2005 · Amount on File
Prior Sale	Feb 26, 2004 · Amount on File
Deed Document Number	2005119514
Deed Book / Page	36879 / 273
Transfer Doc	58925-205
Record Updated	Oct 29, 2026

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 11, 2018
Property Address	20 DUBLIN ST, GARDNER, MA 01440-2917
Document Number	58925-205
Book / Page	058925 / 000205
Instrument Date	May 29, 2018
Instrument	56711
Transaction Type	Transfer
Record Updated	Jul 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 DUBLIN ST GARDNER MA 014402917, GARDNER, MA 01440-2917

Mortgage

Document Number	58925-209
Date	Jun 11, 2018
Book Page	058925/000209
Instrument	56712

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 10, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 20 Dublin St was $4,017, up 10,471.1% 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	$4,017.00 (+10,471.05%)	$291,700 (+8.36%) Land $70,400 Building $221,300	$305,829 (+4.12%)
2025	$38.00 (-98.99%)	$269,200 (+6.74%) Land $64,000 Building $205,200	$293,740
2024	$3,780.00 (+3.59%)	$252,200 (+11.49%) Land $58,200 Building $194,000
2023	$3,649.00	$226,200 Land $57,300 Building $168,900

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

Flood

FEMA maps place 20 Dublin 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 20 Dublin 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 446 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20