20 Mill St, #22, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 20 Mill St, #22, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 1,865 sqft · built 1900
Lot Size	0.176 acres (7,672 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (May 2022)
Tax Bill	$36 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:23 L:1`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:23 L:1`
Alternative APN	`M:R-15 B:0002 L:0006`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,865 sqft Living Area
Gross Area	3,648 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,672 sqft (0.176 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 MILL ST, 22
City	GARDNER
State	MA
Zip	01440-3223
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	23
Legal Lot Number	1
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1002
Census Tract	707100

Owner

Source: Worcester County and Gardner City records, as of April 14, 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 Record
Mailing Address	20 MILL ST, 22, GARDNER, MA 01440-3223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
May 31, 2017	Deed of Trust, Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2022 · Amount on Record
Deed Sale	May 31, 2022 · Amount on Record
Prior Sale	Jan 14, 2000 · Amount on Record
Deed Document Number	202259104
Deed Book / Page	67674 / 260
Record Updated	Oct 29, 2026

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 31, 2022
Property Address	20-22 MILL ST, GARDNER, MA 01440
Document Number	067674-260
Book / Page	67674 / 260
Instrument Date	May 31, 2022
Instrument	59104
Transaction Type	Transfer
Record Updated	Jun 17, 2022

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
Address	20 MILL ST # 22, 22, GARDNER, MA 01440-3223

Mortgage

Document Number	0000059105
Date	May 31, 2022
Instrument	59105

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	20-22 MILL ST, GARDNER, MA 01440
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57188-1
Date	May 31, 2017
Book Page	57188/1
Instrument	55069

Lender

Name	DITECH FINANCIAL LLC

Agreement

Amount	Amount Recorded
Term	240 Months
Due	May 1, 2037

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
2025	$36.00 (-99.02%)	$256,200 (+4.53%) Land $67,200 Building $189,000
2024	$3,674.00 (+4.02%)	$245,100 (+11.92%) Land $61,100 Building $184,000
2023	$3,532.00	$219,000 Land $60,200 Building $158,800

Assessed value is set for property tax purposes and is not a market price estimate.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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