Worcester County and Gardner City property record for 24 Ford St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,872 sqft · built 1924 |
| Lot Size | 0.097 acres (4,228 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $395,000 (Nov 2025) |
| Tax Bill | $4,288 (2026) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:25 L:2 |
| Primary APN | GARD M:M22 B:25 L:2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,872 sqft Living Area |
| Gross Area | 3,010 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,228 sqft (0.097 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 24 FORD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2922 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Block | 25 |
| Legal Lot Number | 2 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 707300 |
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 | 24 FORD ST, GARDNER, MA 01440-2922 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 14, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage SECURITY FIRST MORTGAGE FUNDING |
| Mar 1, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage RFLF 7 LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 2025 · Amount on Record |
| Deed Sale | Nov 14, 2025 · Amount on Record |
| Prior Sale | Mar 1, 2022 · Amount on Record |
| Deed Book / Page | 72826 / 328 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Nov 14, 2025 |
| Property Address | 24 FORD ST, GARDNER, MA 01440-2922 |
| Document Number | 072826-328 |
| Book / Page | 72826 / 328 |
| Instrument Date | Nov 14, 2025 |
| Instrument | 99428 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2025 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 24 FORD ST, GARDNER, MA 01440-2922 |
| Document Number | 0000099429 |
|---|---|
| Date | Nov 14, 2025 |
| Instrument | 99429 |
| Name | SECURITY FIRST MORTGAGE FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Mar 1, 2022 |
| Property Address | 24 FORD ST, GARDNER, MA 01440-2922 |
| Document Number | 067198-186 |
| Book / Page | 67198 / 186 |
| Instrument Date | Mar 1, 2022 |
| Instrument | 23810 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| 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 | 93 E GARDNER RD, WESTMINSTER, MA 01473-1029 |
| Document Number | 0000023811 |
|---|---|
| Date | Mar 1, 2022 |
| Instrument | 23811 |
| Name | RFLF 7 LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,288.00 (+18.06%) | $311,400 (+23.13%) Land $53,100 Building $258,300 | $378,608 |
| 2025 | $3,632.00 (-0.74%) | $252,900 (+3.61%) Land $48,300 Building $204,600 | |
| 2024 | $3,659.00 (+6.24%) | $244,100 (+14.33%) Land $43,900 Building $200,200 | |
| 2023 | $3,444.00 | $213,500 Land $43,300 Building $170,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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