235 Ryan St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 235 Ryan St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,272 sqft · built 1940
Lot Size	0.511 acres (22,278 sqft)
Owner	2 Individual Names on Record
Last Sale	$282,000 (Oct 2022)
Tax Bill	$4,084 (2026)
Deeds & Mortgages	Feb 2023 Transfer Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M32 B:11 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M32 B:11 L:2`
Alternative APN	`M:K-32 B:0010 L:0002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,272 sqft Living Area
Gross Area	2,378 sqft
Basement Area	914 sqft
Unfinished Basement	914 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,278 sqft (0.511 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	235 RYAN ST
City	GARDNER
State	MA
Zip	01440-1525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	11
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1026
Census Tract	707400

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	2 Individual Names on Record
Mailing Address	235 RYAN ST, GARDNER, MA 01440-1525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2023	Quit Claim Deed, Transfer Quitclaim
Oct 25, 2022	Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 18, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Deed Book / Page	68396 / 139
Last Transfer Date	Feb 6, 2023
Transfer Doc	068802-235
Record Updated	Oct 29, 2026

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 6, 2023
Property Address	235 RYAN ST, GARDNER, MA 01440-1525
Document Number	068802-235
Book / Page	68802 / 235
Instrument Date	Feb 6, 2023
Instrument	11024
Transaction Type	Transfer
Record Updated	Feb 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	235 RYAN ST, GARDNER, MA 01440-1525

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 25, 2022
Property Address	235 RYAN ST, GARDNER, MA 01440-1525
Document Number	068396-139
Book / Page	68396 / 139
Instrument Date	Oct 25, 2022
Instrument	115367
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	235 RYAN ST, GARDNER, MA 01440-1525

Mortgage

Document Number	0000115368
Date	Oct 25, 2022
Instrument	115368

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 18, 2017
Property Address	235 RYAN ST, GARDNER, MA 01440-1525
Document Number	56622-155
Book / Page	056622 / 000155
Instrument Date	Jan 10, 2017
Instrument	5897
Transaction Type	Transfer
Record Updated	Feb 7, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	235 RYAN ST GARDNER MA 014401525, GARDNER, MA 01440-1525

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	$4,084.00 (+10,11%)	$296,600 (+4.99%) Land $83,400 Building $213,200	$337,637 (+1.46%)
2025	$40.00 (-99%)	$282,500 (+5.73%) Land $75,800 Building $206,700	$332,785
2024	$4,005.00 (+5.2%)	$267,200 (+13.22%) Land $68,900 Building $198,300
2023	$3,807.00	$236,000 Land $67,900 Building $168,100

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 147 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

Cell Coverage

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

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