Worcester County and Gardner City property record for 20 Ford St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,824 sqft · built 1924 |
| Lot Size | 0.112 acres (4,880 sqft) |
| Owner | Individual Name on File |
| Last Sale | $395,000 (Apr 2025) |
| Tax Bill | $4,240 (2026) |
| Deeds & Mortgages | Apr 2025 Sale & Mortgage Feb 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:25 L:1 |
| Primary APN | GARD M:M22 B:25 L:1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,824 sqft Living Area |
| Gross Area | 3,054 sqft |
| Basement Area | 912 sqft |
| Unfinished Basement | 912 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 4,880 sqft (0.112 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 20 FORD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2922 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Block | 25 |
| Legal Lot Number | 1 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 707300 |
20 Ford St, a duplex, is owned and occupied by an individual who bought it in April 2025.
Source: Worcester County and Gardner City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 FORD ST, GARDNER, MA 01440-2922 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Apr 29, 2025 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE |
| Feb 17, 2022 | Quit Claim Deed, Transfer Quitclaim |
| May 5, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 29, 2025 · Amount on File |
| Deed Sale | Apr 29, 2025 · Amount on File |
| Prior Sale | May 5, 2020 · Amount on File |
| Deed Book / Page | 71917 / 146 |
| Prior Transfer Date | Feb 16, 2022 |
| Prior Transfer Doc | 067132-276 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 29, 2025 |
| Property Address | 20 FORD ST, GARDNER, MA 01440-2922 |
| Document Number | 071917-146 |
| Book / Page | 71917 / 146 |
| Instrument Date | Apr 29, 2025 |
| Instrument | 33166 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 FORD ST, GARDNER, MA 01440-2922 |
| Document Number | 0000033167 |
|---|---|
| Date | Apr 29, 2025 |
| Instrument | 33167 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Feb 17, 2022 |
| Property Address | 20 FORD ST, GARDNER, MA 01440-2922 |
| Document Number | 067132-276 |
| Book / Page | 67132 / 276 |
| Instrument Date | Feb 16, 2022 |
| Instrument | 19124 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6 GROVE AVE, LEOMINSTER, MA 01453-3173 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | May 5, 2020 |
| Property Address | 20 FORD ST, GARDNER, MA 01440-2922 |
| Document Number | 62341-32 |
| Book / Page | 062341 / 000032 |
| Instrument Date | May 5, 2020 |
| Instrument | 45717 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $939.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 FORD ST GARDNER MA 014402922, GARDNER, MA 01440-2922 |
The 2026 property tax bill for 20 Ford St was $4,240, up 16.9% 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 | $4,240.00 (+16.93%) | $307,900 (+21.94%) Land $54,000 Building $253,900 | $376,009 |
| 2025 | $3,626.00 (-2.26%) | $252,500 (+2.02%) Land $49,100 Building $203,400 | |
| 2024 | $3,710.00 | $247,500 Land $44,600 Building $202,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Ford 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 20 Ford 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 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 |
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