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218 Summer St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 218 Summer St, Gardner, MA 01440 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,284 sqft · built 1930
Lot Size0.196 acres (8,517 sqft)
OwnerIndividual Name on File
Last Sale$285,000 (Jun 2025)
Tax Bill$4,097 (2025)
Deeds & MortgagesJun 2025 Sale & Mortgage
Nov 2021 Transfer
Flood ZoneZone X (minimal risk)
APNGARD M:R17 B:9 L:25

Property Details

APN / Parcel Number

Primary APNGARD M:R17 B:9 L:25
Alternative APN
  • M:S-17 B:0016 L:0025

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,284 sqft Living Area
Gross Area2,700 sqft

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1930
Architectural StyleCape Cod
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area8,517 sqft (0.196 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Street Address218 SUMMER ST
CityGARDNER
StateMA
Zip01440-3332
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block9
Legal Lot Number25
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group2
Census Block2002
Census Tract707100

Owner

Source: Worcester County and Gardner City records · APN GARD M:R17 B:9 L:25

Assessment roll updated April 14, 2026 · Last verified August 2026

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

Owner of RecordIndividual Name on File
Mailing Address218 SUMMER ST, GARDNER, MA 01440-3332
OccupancyOwner Occupied
Owner TypeIndividual
VestingIndividual(s)

Deeds, Mortgages & Sale History

DateDocument
Jun 05, 2025Quit Claim Deed, Transfer · Stand-Alone First Mortgage
FIDELITY COOPERATIVE BANK
Nov 12, 2021Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 05, 2025 · Amount on Record
Deed SaleJun 05, 2025 · Amount on Record
Deed Book / Page72080 / 33
Prior Transfer DateJan 09, 2025
Prior Transfer Doc071512-207
Record UpdatedSep 20, 2026

June 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateJun 05, 2025
Property Address218 SUMMER ST, GARDNER, MA 01440-3332
Document Number0072080-33
Book / Page72080 / 33
Instrument DateJun 05, 2025
Instrument45175
Transaction TypeTransfer
Record UpdatedNov 19, 2025

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address218 SUMMER ST, GARDNER, MA 01440-3332

Mortgage

Document Number0000045176
DateJun 05, 2025
Instrument45176
Lender
NameFIDELITY COOPERATIVE BANK
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

Mortgage

Document Number0072080-57
DateJun 05, 2025
Book Page72080/57
Instrument45177
Lender
NameFIDELITY COOPERATIVE BANK
TypeBank
Agreement
TypeSecond Mortgage (Down Payment)
AmountAmount Recorded
Term181 Months
DueJul 01, 2040

November 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateNov 12, 2021
Property Address218 SUMMER ST, GARDNER, MA 01440-3332
Document Number66512-164
Book / Page66512 / 164
Instrument DateNov 09, 2021
Instrument158830
Transaction TypeTransfer
Record UpdatedNov 25, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address218 SUMMER ST, GARDNER, MA 01440-3332

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,097.00 (+0.34%)$285,300 (+4.74%) Land $67,600 Building $217,700$311,220
2024$4,083.00 (+8.65%)$272,400 (+16.91%) Land $61,500 Building $210,900
2023$3,758.00$233,000 Land $60,600 Building $172,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277071002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 128 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Gateway Fiber Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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