Worcester County and Gardner City property record for 22 Knowlton St, Gardner, MA 01440
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 10 bd · 10 ba · 8,928 sqft · built 1920 |
| Lot Size | 0.168 acres (7,325 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,435,000 (Dec 2024) |
| Tax Bill | $16,434 (2026) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Sep 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:O-22 B:0003 L:0042 |
| Primary APN | M:O-22 B:0003 L:0042 |
|---|---|
| Alternative APN |
|
| Bedrooms | 10 Beds |
|---|---|
| Full Baths | 10 Baths |
| Total Rooms | 40 Rooms |
| Units | 10 Units |
| Stories | 3 Stories |
| Building Area | 8,928 sqft Living Area |
| Gross Area | 14,030 sqft |
| Basement Area | 2,944 sqft |
| Unfinished Basement | 2,944 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Flat |
| Roof Material | Other |
| Lot Area | 7,325 sqft (0.168 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 22 KNOWLTON ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2600 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | R3 |
| Legal Block | 15 |
| Legal Lot Number | 42 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 707300 |
22 Knowlton St, a residential property, is owned by a company that bought it in December 2024.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 14 WEBSTER ST, BROOKLINE, MA 02446-4938 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 12, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA |
| Sep 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKLAND TRUST CO |
| Aug 7, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage ROCKLAND TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 2024 · Amount on File |
| Deed Sale | Dec 17, 2024 · Amount on File |
| Prior Sale | Oct 12, 2021 · Amount on File |
| Deed Book / Page | 71430 / 359 |
| Prior Transfer Date | Dec 16, 2024 |
| Prior Transfer Doc | 071430-359 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 12, 2021 |
| Property Address | 22 KNOWLTON ST, GARDNER, MA 01440-2600 |
| Document Number | 066274-160 |
| Book / Page | 66274 / 160 |
| Instrument Date | Oct 8, 2021 |
| Instrument | 143053 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1295 BEACON ST, BROOKLINE, MA 02446-7004 |
| Document Number | 0000143054 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 143054 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 22 KNOWLTON ST, GARDNER, MA 01440-2600 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63311-264 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 63311/264 |
| Instrument | 109860 |
| Name | ROCKLAND TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Aug 7, 2018 |
| Property Address | 22 KNOWLTON ST, GARDNER, MA 01440-2600 |
| Document Number | 59223-35 |
| Book / Page | 059223 / 000035 |
| Instrument Date | Aug 6, 2018 |
| Instrument | 82072 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,656.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 16 TRAIN ST #3 DORCHESTER MA 021222402, 3, DORCHESTER, MA 02122-2402 |
| Document Number | 59223-38 |
|---|---|
| Date | Aug 7, 2018 |
| Book Page | 059223/000038 |
| Instrument | 82073 |
| Name | ROCKLAND TR |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 22 Knowlton St was $16,434, up 9,510.5% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $16,434.00 (+9,510.53%) | $1,193,500 (-) Land $200,000 Building $993,500 |
| 2025 | $171.00 (-98.55%) | $1,193,500 (+51.29%) Land $200,000 Building $993,500 |
| 2024 | $11,826.00 (-4.64%) | $788,900 (+2.6%) Land $200,000 Building $588,900 |
| 2023 | $12,402.00 | $768,900 Land $180,000 Building $588,900 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 22 Knowlton St in Zone X, an area of minimal flood risk.
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 risk around 22 Knowlton 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 446 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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