Worcester County and Gardner City property record for 22 A St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,481 sqft · built 1915 |
| Lot Size | 0.152 acres (6,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (May 2024) |
| Tax Bill | $46 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:3 L:24 |
| Primary APN | GARD M:M22 B:3 L:24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,481 sqft Living Area |
| Gross Area | 2,732 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,600 sqft (0.152 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 22 A ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3754 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 3 |
| Legal Lot Number | 24 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records · APN GARD M:M22 B:3 L:24
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 22 A ST, GARDNER, MA 01440-3754 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Mar 18, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 11, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 23, 2018 | Quit Claim Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 08, 2024 · Amount on Record |
| Deed Sale | May 08, 2024 · Amount on Record |
| Prior Sale | Jul 23, 2018 · Amount on Record |
| Deed Book / Page | 70484 / 101 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 22 A ST, GARDNER, MA 01440-3754 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 064710-139 |
|---|---|
| Date | Mar 18, 2021 |
| Book Page | 64710/139 |
| Instrument | 37326 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Apr 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 22 A ST, GARDNER, MA 01440-3754 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61876-111 |
|---|---|
| Date | Feb 11, 2020 |
| Book Page | 61876/111 |
| Instrument | 14358 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 23, 2018 |
| Property Address | 22 A ST, GARDNER, MA 01440-3754 |
| Document Number | 59136-313 |
| Book / Page | 59136 / 313 |
| Instrument | 74799 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $26.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22 A ST, GARDNER, MA 01440-3754 |
| Document Number | 591360315 |
|---|---|
| Date | Jul 23, 2018 |
| Instrument | 59136/0315 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 23, 2048 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $46.00 (-98.99%) | $322,400 (+6.09%) Land $66,500 Building $255,900 | $316,255 |
| 2024 | $4,555.00 (+2.57%) | $303,900 (+10.39%) Land $60,500 Building $243,400 | |
| 2023 | $4,441.00 | $275,300 Land $59,600 Building $215,700 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 356 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 2,000 |
| Gateway Fiber Holdings | Fiber | 2,000 / 2,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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