Worcester County and Gardner City property record for 20 Stephanie Dr, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,536 sqft · built 1998 |
| Lot Size | 0.436 acres (19,012 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $420,000 (Jan 2026) |
| Tax Bill | $5,582 (2026) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:P-17 B:0001B L:0010B |
| Primary APN | M:P-17 B:0001B L:0010B |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,536 sqft Living Area |
| Gross Area | 2,492 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,012 sqft (0.436 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 20 STEPHANIE DR |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-8211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Block | 11 |
| Legal Lot Number | 10B |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 707100 |
20 Stephanie Dr is owned and occupied by two individuals who bought it in January 2026.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 STEPHANIE DR, GARDNER, MA 01440-8211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 21, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE |
| Dec 12, 2018 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage MIDDLESEX SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 2026 · Amount on File |
| Deed Sale | Jan 21, 2026 · Amount on File |
| Prior Sale | Dec 12, 2018 · Amount on File |
| Deed Book / Page | 73108 / 159 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jan 21, 2026 |
| Property Address | 20 STEPHANIE DR, GARDNER, MA 01440-8211 |
| Document Number | 073108-159 |
| Book / Page | 73108 / 159 |
| Instrument Date | Jan 21, 2026 |
| Instrument | 5145 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2026 |
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 20 STEPHANIE DR, GARDNER, MA 01440-8211 |
| Document Number | 0000005146 |
|---|---|
| Date | Jan 21, 2026 |
| Instrument | 5146 |
| Name | MUTUAL OF OMAHA MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 12, 2018 |
| Property Address | 20 STEPHANIE DR, GARDNER, MA 01440-8211 |
| Document Number | 59806-158 |
| Book / Page | 59806 / 158 |
| Instrument Date | Dec 12, 2018 |
| Instrument | 131155 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| 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 STEPHANIE DR, GARDNER, MA 01440-8211 |
| Document Number | 131156 |
|---|---|
| Date | Dec 12, 2018 |
| Instrument | 131156 |
| Name | MIDDLESEX SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 20 Stephanie Dr was $5,582, up 10,634.6% 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 | $5,582.00 (+10,634.62%) | $405,400 (+11.96%) Land $81,400 Building $324,000 | $414,780 (+3.44%) |
| 2025 | $52.00 (-99.01%) | $362,100 (+3.4%) Land $74,000 Building $288,100 | $400,995 |
| 2024 | $5,249.00 (+5.87%) | $350,200 (+13.92%) Land $67,300 Building $282,900 | |
| 2023 | $4,958.00 | $307,400 Land $66,300 Building $241,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Stephanie Dr in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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 risk around 20 Stephanie Dr 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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