225 Stone St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 225 Stone St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,791 sqft · built 1900
Lot Size	0.884 acres (38,500 sqft)
Owner	Individual Name on Record
Last Sale	$122,500 (Jan 2021)
Tax Bill	$5,154 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Mar 2020 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-42 B:0015 L:0014`

Property Details

APN / Parcel Number

Primary APN	`M:R-42 B:0015 L:0014`
Alternative APN	`GARD M:R42 B:17 L:14`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,791 sqft Living Area
Gross Area	3,591 sqft
Basement Area	1,254 sqft
Unfinished Basement	1,254 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	38,500 sqft (0.884 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	225 STONE ST
City	GARDNER
State	MA
Zip	01440-1143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	17
Legal Lot Number	14
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1000
Census Tract	707500

Owner

Source: Worcester County and Gardner City records, as of October 20, 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	41 PARK AVENUE EXT, ARLINGTON, MA 02474-2656
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2021	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Mar 2, 2020	Quit Claim Deed, Foreclosure NOT AVAILABLE
Jan 17, 2020	Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2021 · Amount on Record
Deed Sale	Jan 8, 2021 · Amount on Record
Prior Sale	Jan 17, 2020 · Amount on Record
Deed Document Number	20213249
Deed Book / Page	64183 / 386
Prior Transfer Date	Jan 6, 2021
Prior Transfer Doc	64183-386
Record Updated	Oct 29, 2026

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 8, 2021
Property Address	225 STONE ST, GARDNER, MA 01440-1143
Document Number	64183-386
Book / Page	64183 / 386
Instrument Date	Jan 6, 2021
Instrument	3249
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	41 PARK AVENUE EXT, ARLINGTON, MA 02474-2656

Mortgage

Document Number	3250
Date	Jan 8, 2021
Instrument	3250

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

March 2020: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 2, 2020
Property Address	225 STONE ST, GARDNER, MA 01440-1143
Document Number	61977-379
Book / Page	061977 / 000379
Instrument Date	Jan 29, 2020
Instrument	22100
Transaction Type	Foreclosure
Record Updated	Mar 17, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2401 NW 23RD ST #1D OKLAHOMA CITY OK 731072420, 1D, OKLAHOMA CITY, OK 73107-2420

January 2020: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Jan 17, 2020
Property Address	225 STONE ST, GARDNER, MA 01440-1143
Document Number	61756-109
Book / Page	061756 / 000109
Instrument Date	Oct 22, 2019
Instrument	5210
Transaction Type	Foreclosure
Record Updated	Feb 4, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$381.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3415 VISION DR COLUMBUS OH 432196009, COLUMBUS, OH 43219-6009

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
2026	$5,154.00 (+10,005.88%)	$374,300 (+4.03%) Land $92,200 Building $282,100	$378,429 (-46.58%)
2025	$51.00 (-99.03%)	$359,800 (+3.07%) Land $83,800 Building $276,000	$708,415
2024	$5,233.00 (+6.86%)	$349,100 (+14.99%) Land $76,300 Building $272,800
2023	$4,897.00	$303,600 Land $75,100 Building $228,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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