209 Leamy St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 209 Leamy St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,404 sqft · built 1950
Lot Size	0.475 acres (20,703 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Dec 2016)
Tax Bill	$4,409 (2026)
Deeds & Mortgages	May 2026 Transfer Dec 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:M-20 B:0038 L:0007`

Property Details

APN / Parcel Number

Primary APN	`M:M-20 B:0038 L:0007`
Alternative APN	`GARD M:M22 B:23 L:27`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,404 sqft Living Area
Gross Area	2,647 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,703 sqft (0.475 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	209 LEAMY ST
City	GARDNER
State	MA
Zip	01440-2851
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	WEST GARDNER EXT
Legal Block	23
Legal Lot Number	27
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2016
Census Tract	707300

Owner

209 Leamy St is owned and occupied by an individual who acquired it in December 2019.

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

Owner of Record	Individual Name on File
Mailing Address	209 LEAMY ST, GARDNER, MA 01440-2851
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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 21, 2026	Quit Claim Deed, Transfer Quitclaim
Dec 16, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2016 · Amount on File
Deed Sale	Dec 9, 2016 · Amount on File
Prior Sale	Aug 22, 2011 · Amount on File
Deed Document Number	2016141998
Deed Book / Page	56439 / 310
Last Transfer Date	Dec 10, 2019
Transfer Doc	0061596-64
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 21, 2026
Property Address	209 LEAMY ST, GARDNER, MA 01440-2851
Document Number	073605-293
Book / Page	73605 / 293
Instrument Date	May 21, 2026
Instrument	202640191
Transaction Type	Transfer
Record Updated	Aug 29, 2026

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	209 LEAMY ST, GARDNER, MA 01440-2851

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 16, 2019
Property Address	209 LEAMY ST, GARDNER, MA 01440-2851
Document Number	61596-60
Book / Page	61596 / 60
Instrument Date	Dec 10, 2019
Instrument	136212
Transaction Type	Transfer
Record Updated	May 12, 2021

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	209 LEAMY ST, GARDNER, MA 01440-2851

Mortgage

Document Number	61596-64
Date	Dec 16, 2019
Book Page	61596/64
Instrument	136213

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 209 Leamy St was $4,409, up 9,920.5% 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	$4,409.00 (+9,920.45%)	$320,200 (+4.16%) Land $82,400 Building $237,800	$323,150 (+22.05%)
2025	$44.00 (-99%)	$307,400 (+4.56%) Land $75,000 Building $232,400	$264,765
2024	$4,407.00 (+7.51%)	$294,000 (+15.7%) Land $68,100 Building $225,900
2023	$4,099.00	$254,100 Land $67,100 Building $187,000

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

Flood

FEMA maps place 209 Leamy 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	4 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 209 Leamy 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 99 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Leamy St

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