207 Union St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 207 Union St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 950 sqft · built 1890
Lot Size	0.121 acres (5,280 sqft)
Owner	2 Individual Names on File
Last Sale	$299,000 (Sep 2023)
Tax Bill	$4,205 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:7 L:13`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:7 L:13`
Alternative APN	`M:Q-13 B:0044 L:0003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	950 sqft Living Area
Gross Area	1,925 sqft
Basement Area	528 sqft
Unfinished Basement	528 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,280 sqft (0.121 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	207 UNION ST
City	GARDNER
State	MA
Zip	01440-3423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	7
Legal Lot Number	13
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1023
Census Tract	707100

Owner

207 Union St is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	207 UNION ST, GARDNER, MA 01440-3423
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 20, 2023	Quit Claim Deed, Transfer · FHA Mortgage POWERTPO
Dec 9, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 1, 2019	Quit Claim Deed, Transfer · FHA Mortgage DITECH FINANCIAL LLC
Apr 10, 2018	Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2023 · Amount on File
Deed Sale	Sep 20, 2023 · Amount on File
Prior Sale	Feb 1, 2019 · Amount on File
Deed Document Number	202378210
Deed Book / Page	69664 / 11
Record Updated	Oct 29, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 20, 2023
Property Address	207 UNION ST, GARDNER, MA 01440-3423
Document Number	0069664-11
Book / Page	69664 / 11
Instrument Date	Sep 20, 2023
Instrument	78210
Transaction Type	Transfer
Record Updated	Oct 9, 2023

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	Joint Tenants with Right of Survivorship
Address	207 UNION ST, GARDNER, MA 01440-3423

Mortgage

Document Number	0000078211
Date	Sep 20, 2023
Instrument	78211

Lender

Name	POWERTPO

Agreement

Type	FHA Mortgage
Amount	Amount on Record

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	207 UNION ST, GARDNER, MA 01440-3423
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066712-79
Date	Dec 9, 2021
Book Page	66712/79
Instrument	172334

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 1, 2019
Property Address	207 UNION ST, GARDNER, MA 01440-3423
Document Number	60004-187
Book / Page	60004 / 187
Instrument Date	Feb 1, 2019
Instrument	10039
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	207 UNION ST, GARDNER, MA 01440-3423

Mortgage

Document Number	10040
Date	Feb 1, 2019
Instrument	10040

Lender

Name	DITECH FINANCIAL LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

April 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Apr 10, 2018
Property Address	207 UNION ST, GARDNER, MA 01440-3423
Document Number	58644-397
Book / Page	058644 / 000397
Instrument Date	Mar 27, 2018
Instrument	32970
Transaction Type	Foreclosure
Record Updated	May 1, 2018

Transaction

Amount	Amount on Record
Tax	$259.92
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 BALDWIN HILL RD PHILLIPSTON MA 013319713, PHILLIPSTON, MA 01331-9713

Tax Assessment & Valuation

The 2026 property tax bill for 207 Union St was $4,205, up 10,412.5% 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	$4,205.00 (+10,412.5%)	$305,400 (+8.3%) Land $72,300 Building $233,100	$315,135 (+12.6%)
2025	$40.00 (-98.98%)	$282,000 (+8.13%) Land $65,800 Building $216,200	$279,870
2024	$3,909.00 (+3.69%)	$260,800 (+11.6%) Land $59,800 Building $201,000
2023	$3,770.00	$233,700 Land $58,900 Building $174,800

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

Flood

FEMA maps place 207 Union St 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

Wildfire risk around 207 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 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Union St

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