20 School St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,064 sqft · built 1895
Lot Size	0.25 acres (10,884 sqft)
Owner	Individual Name on File
Last Sale	$128,000 (Jun 2001)
Tax Bill	$47 (2025)
Deeds & Mortgages	Jun 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:Q-25 B:0001 L:0007`

Property Details

APN / Parcel Number

Primary APN	`M:Q-25 B:0001 L:0007`
Alternative APN	`GARD M:R27 B:22 L:53`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,064 sqft Living Area
Gross Area	4,244 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	10,884 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	20 SCHOOL ST
City	GARDNER
State	MA
Zip	01440-2227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	22
Legal Lot Number	53
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2000
Census Tract	707200

Owner

Source: Worcester County and Gardner City records · APN M:Q-25 B:0001 L:0007

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	20 SCHOOL ST, GARDNER, MA 01440-2227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 01, 2001 · Amount on Record
Deed Sale	Jun 01, 2001 · Amount on Record
Last Transfer Date	Jun 03, 2022
Transfer Doc	067715-368
Record Updated	Jun 08, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 08, 2022
Property Address	20 SCHOOL ST, GARDNER, MA 01440-2227
Document Number	067715-363
Book / Page	67715 / 363
Instrument Date	Jun 03, 2022
Instrument	62287
Transaction Type	Transfer
Record Updated	Nov 15, 2022

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 SCHOOL ST, GARDNER, MA 01440-2227

Mortgage

Document Number	067715-368
Date	Jun 08, 2022
Book Page	67715/368
Instrument	62288

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2052

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$47.00 (-99.01%)	$329,400 (+4.08%) Land $69,000 Building $260,400	$287,090
2024	$4,744.00 (+2.22%)	$316,500 (+10.01%) Land $62,800 Building $253,700
2023	$4,641.00	$287,700 Land $61,900 Building $225,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Gateway Fiber Holdings Fiber	2,000 / 2,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 388 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	GARDNER WATER DEPARTMENT serves 21,381 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.