20 Union St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,862 sqft · built 1825
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Sep 2022)
Tax Bill	$4,675 (2026)
Deeds & Mortgages	May 2023 Mortgage Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:4 L:12`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:4 L:12`
Alternative APN	`M:S-14 B:0001 L:0012`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,862 sqft Living Area
Gross Area	3,633 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1825
Effective Year Built	Effective 1825
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	20 UNION ST
City	GARDNER
State	MA
Zip	01440-3426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	4
Legal Lot Number	12
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1032
Census Tract	707100

Owner

20 Union St is owned and occupied by two individuals who bought it in September 2022.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 UNION ST, GARDNER, MA 01440-3426
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 1, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) LOWELL COMMUNITY LOAN FUND INC
Sep 27, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CENTRAL ONE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2022 · Amount on File
Deed Sale	Sep 27, 2022 · Amount on File
Prior Sale	Jul 31, 2014 · Amount on File
Deed Book / Page	68272 / 129
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	20 UNION ST, GARDNER, MA 01440-3426
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069079-367
Date	May 1, 2023
Book Page	69079/367
Instrument	32985

Lender

Name	LOWELL COMMUNITY LOAN FUND INC

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 27, 2022
Property Address	20 UNION ST, GARDNER, MA 01440-3426
Document Number	068272-129
Book / Page	68272 / 129
Instrument Date	Sep 27, 2022
Instrument	105863
Transaction Type	Transfer
Record Updated	Oct 14, 2022

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	20 UNION ST, GARDNER, MA 01440-3426

Mortgage

Document Number	0000105864
Date	Sep 27, 2022
Instrument	105864

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Type Change Date	Oct 1, 2032
Max Rate At Change	3.38%
Index	5-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 20 Union St was $4,675, up 10,288.9% from the year before.

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	$4,675.00 (+10,288.89%)	$339,500 (+8.16%) Land $73,400 Building $266,100	$347,508 (+3.13%)
2025	$45.00 (-98.98%)	$313,900 (+6.19%) Land $66,700 Building $247,200	$336,965
2024	$4,431.00 (+2.81%)	$295,600 (+10.63%) Land $60,700 Building $234,900
2023	$4,310.00	$267,200 Land $59,800 Building $207,400

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

Flood

FEMA maps place 20 Union St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 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

Wildfire risk around 20 Union 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	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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