20 Nelson St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,685 sqft · built 1927
Lot Size	0.169 acres (7,350 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Dec 2017)
Tax Bill	$4,634 (2026)
Deeds & Mortgages	Mar 2021 Refinance Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:T-27 B:0002 L:0017`

Property Details

APN / Parcel Number

Primary APN	`M:T-27 B:0002 L:0017`
Alternative APN	`GARD M:R27 B:19 L:17`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,685 sqft Living Area
Gross Area	4,494 sqft
Basement Area	1,306 sqft
Unfinished Basement	1,306 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Bungalow
Exterior Material	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,350 sqft (0.169 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 NELSON ST
City	GARDNER
State	MA
Zip	01440-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	19
Legal Lot Number	17
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1035
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	Individual Name on Record
Mailing Address	57 MARTHA ST, CHICOPEE, MA 01020-4159
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PRIME LENDING INC
Dec 15, 2017	Quit Claim Deed, Transfer HANSCOM FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2017 · Amount on Record
Deed Sale	Dec 15, 2017 · Amount on Record
Prior Sale	Sep 12, 1990 · Amount on Record
Deed Book / Page	58196 / 342
Transfer Doc	058196-342
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	20 NELSON ST, GARDNER, MA 01440-2011
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064628-73
Date	Mar 8, 2021
Book Page	64628/73
Instrument	31784

Lender

Name	PRIME LENDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 15, 2017
Property Address	20 NELSON ST, GARDNER, MA 01440-2011
Document Number	58196-342
Book / Page	58196 / 342
Instrument	140804
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.89
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 NELSON ST, GARDNER, MA 01440-2011

Mortgage

Document Number	581960344
Date	Dec 15, 2017
Instrument	58196/0344

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	192 Months
Due	Dec 15, 2033

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	$4,634.00 (+9,759.57%)	$336,500 (+2.03%) Land $73,700 Building $262,800	$346,856 (-6.86%)
2025	$47.00 (-99.04%)	$329,800 (+1.45%) Land $67,000 Building $262,800	$372,400
2024	$4,873.00 (+8.1%)	$325,100 (+16.31%) Land $60,900 Building $264,200
2023	$4,508.00	$279,500 Land $60,000 Building $219,500

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

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

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.

Cell Coverage

5G and 4G LTE (outdoors only)

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