203 Summer St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 203 Summer St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,188 sqft · built 1986
Lot Size	0.35 acres (15,244 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jun 2018)
Tax Bill	$4,890 (2026)
Deeds & Mortgages	Jul 2025 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:14 L:8`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:14 L:8`
Alternative APN	`M:T-17 B:0021 L:0016`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,188 sqft Living Area
Gross Area	2,676 sqft
Basement Area	1,188 sqft
Unfinished Basement	1,188 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,244 sqft (0.35 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	203 SUMMER ST
City	GARDNER
State	MA
Zip	01440-6606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	14
Legal Lot Number	8
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2002
Census Tract	707100

Owner

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	Individual Name on Record
Mailing Address	203 SUMMER ST, GARDNER, MA 01440-6606
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2025	Quit Claim Deed, Transfer · Conventional Mortgage RELIANCE FIRST CAPITAL LLC
Jun 6, 2018	Quit Claim Deed, Transfer I-C FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2018 · Amount on Record
Deed Sale	Jun 6, 2018 · Amount on Record
Prior Sale	Sep 28, 2000 · Amount on Record
Deed Book / Page	58907 / 213
Last Transfer Date	Jun 24, 2025
Transfer Doc	072207-112
Record Updated	Oct 29, 2026

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 1, 2025
Property Address	203 SUMMER ST, GARDNER, MA 01440-6606
Document Number	072207-112
Book / Page	72207 / 112
Instrument Date	Jun 24, 2025
Instrument	54321
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 SUMMER ST, GARDNER, MA 01440-6606

Mortgage

Document Number	0000054322
Date	Jul 1, 2025
Instrument	54322

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 6, 2018
Property Address	203 SUMMER ST, GARDNER, MA 01440-6606
Document Number	58907-213
Book / Page	58907 / 213
Instrument	55149
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33.49
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 SUMMER ST, GARDNER, MA 01440-6606

Mortgage

Document Number	589070217
Date	Jun 6, 2018
Instrument	58907/0217

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2048

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	$4,890.00 (+0.51%)	$355,100 (+4.81%) Land $78,900 Building $276,200	$378,426 (+19.95%)
2025	$4,865.00 (+1.23%)	$338,800 (+5.68%) Land $71,700 Building $267,100	$315,495
2024	$4,806.00 (+9.03%)	$320,600 (+17.31%) Land $65,200 Building $255,400
2023	$4,408.00	$273,300 Land $64,300 Building $209,000

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 · 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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Summer St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures