21 A St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 21 A St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,685 sqft · built 1920
Lot Size	0.152 acres (6,600 sqft)
Owner	Individual Name on Record
Last Sale	$193,000 (May 2018)
Tax Bill	$43 (2025)
Deeds & Mortgages	Jun 2023 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M22 B:3 L:29`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M22 B:3 L:29`
Alternative APN	`M:M-24 B:0017 L:0029`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,685 sqft Living Area
Gross Area	3,124 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,600 sqft (0.152 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	21 A ST
City	GARDNER
State	MA
Zip	01440-3753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	29
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3018
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	21 A ST, GARDNER, MA 01440-3753
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WORKERS CU
May 18, 2018	Quit Claim Deed, Transfer · FHA Mortgage VILLAGE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2018 · Amount on Record
Deed Sale	May 18, 2018 · Amount on Record
Prior Sale	Feb 10, 2004 · Amount on Record
Deed Book / Page	58820 / 283
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	21 A ST, GARDNER, MA 01440-3753
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069215-337
Date	Jun 5, 2023
Book Page	69215/337
Instrument	43518

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2038

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 18, 2018
Property Address	21 A ST, GARDNER, MA 01440-3753
Document Number	58820-283
Book / Page	58820 / 283
Instrument	47948
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27.57
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 A ST, GARDNER, MA 01440-3753

Mortgage

Document Number	588200285
Date	May 18, 2018
Instrument	58820/0285

Lender

Name	VILLAGE MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 18, 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
2025	$43.00 (-98.99%)	$300,000 (+5.41%) Land $66,500 Building $233,500	$301,245
2024	$4,266.00 (+3.02%)	$284,600 (+10.87%) Land $60,500 Building $224,100
2023	$4,141.00	$256,700 Land $59,600 Building $197,100

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 519 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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