22 Kendall St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 22 Kendall St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,923 sqft · built 1910
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on File
Last Sale	$235,500 (May 2019)
Tax Bill	$5,034 (2026)
Deeds & Mortgages	Feb 2022 Refinance Apr 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:13 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:13 L:2`
Alternative APN	`M:R-17 B:0002 L:0002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,923 sqft Living Area
Gross Area	4,172 sqft
Basement Area	1,424 sqft
Unfinished Basement	1,424 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,492 sqft (0.7 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	22 KENDALL ST
City	GARDNER
State	MA
Zip	01440-4113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	13
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2036
Census Tract	707100

Owner

22 Kendall St is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	22 KENDALL ST, GARDNER, MA 01440-4113
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
Feb 7, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance GUILD MORTGAGE CO
Apr 7, 2025	Deed of Trust, Mortgage · Line of Credit GEORGIA'S OWN CREDIT UNION
May 30, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage RESIDENTIAL MORTGAGE SERVICES
May 18, 2017	Quit Claim Deed, Transfer · FHA Mortgage MERRIMACK MTG CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2019 · Amount on File
Deed Sale	May 30, 2019 · Amount on File
Prior Sale	May 18, 2017 · Amount on File
Deed Book / Page	60477 / 347
Prior Transfer Date	May 29, 2019
Prior Transfer Doc	60477-347
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	22 KENDALL ST, GARDNER, MA 01440-4113
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067075-215
Date	Feb 7, 2022
Book Page	67075/215
Instrument	14760

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	22 KENDALL ST, GARDNER, MA 01440-4113
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071825-184
Date	Apr 7, 2025
Book Page	71825/184
Instrument	26489

Lender

Name	GEORGIA'S OWN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 30, 2019
Property Address	22 KENDALL ST, GARDNER, MA 01440-4113
Document Number	60477-347
Book / Page	60477 / 347
Instrument Date	May 29, 2019
Instrument	49119
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount 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	22 KENDALL ST, GARDNER, MA 01440-4113

Mortgage

Document Number	49120
Date	May 30, 2019
Instrument	49120

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 18, 2017
Property Address	22 KENDALL ST, GARDNER, MA 01440-4113
Document Number	57132-170
Book / Page	57132 / 170
Instrument	50323
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	$36.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 KENDALL ST, GARDNER, MA 01440-4113

Mortgage

Document Number	571320175
Date	May 18, 2017
Instrument	57132/0175

Lender

Name	MERRIMACK MTG CO

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 18, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 22 Kendall St was $5,034, up 3.9% 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	$5,034.00 (+3.9%)	$365,600 (+8.36%) Land $88,700 Building $276,900	$439,564 (+31.9%)
2025	$4,845.00 (+0.31%)	$337,400 (+4.72%) Land $80,600 Building $256,800	$333,260
2024	$4,830.00 (+2.16%)	$322,200 (+9.93%) Land $73,400 Building $248,800
2023	$4,728.00	$293,100 Land $72,200 Building $220,900

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

Flood

FEMA maps place 22 Kendall St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 22 Kendall 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 252 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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