24 Grant St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 24 Grant St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,584 sqft · built 1900
Lot Size	0.124 acres (5,416 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Oct 2021)
Tax Bill	$5,047 (2026)
Deeds & Mortgages	Mar 2018 Mortgage Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:Q-22 B:0002 L:0021`

Property Details

APN / Parcel Number

Primary APN	`M:Q-22 B:0002 L:0021`
Alternative APN	`GARD M:R22 B:12 L:21`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,584 sqft Living Area
Gross Area	4,372 sqft
Basement Area	1,404 sqft
Unfinished Basement	1,404 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,416 sqft (0.124 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	24 GRANT ST
City	GARDNER
State	MA
Zip	01440-2738
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	12
Legal Lot Number	21
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1007
Census Tract	707200

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	24 GRANT ST, GARDNER, MA 01440-2738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2018	Deed of Trust, Mortgage FIDELITY COOPERATIVE BANK
Oct 5, 2021	Quit Claim Deed, Transfer · FHA Mortgage BAYCOAST MORTGAGE COMPANY
Oct 9, 2019	Quit Claim Deed, Transfer · FHA Mortgage NEW ENGLAND REGIONAL MORTGAGE CORP
Nov 16, 2018	Quit Claim Deed, Transfer CENTRAL ONE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2021 · Amount on Record
Deed Sale	Oct 5, 2021 · Amount on Record
Prior Sale	Oct 9, 2019 · Amount on Record
Deed Document Number	2021139893
Deed Book / Page	66224 / 306
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	24 GRANT ST, GARDNER, MA 01440-2738
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	058547-177
Date	Mar 15, 2018
Book Page	58547/177
Instrument	24462

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 5, 2021
Property Address	24 GRANT ST, GARDNER, MA 01440-2738
Document Number	66224-306
Book / Page	66224 / 306
Instrument Date	Oct 5, 2021
Instrument	139893
Transaction Type	Transfer
Record Updated	Oct 22, 2021

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
Relationship	Joint Tenants
Address	24 GRANT ST, GARDNER, MA 01440-2738

Mortgage

Document Number	139894
Date	Oct 5, 2021
Instrument	139894

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 9, 2019
Property Address	24 GRANT ST, GARDNER, MA 01440-2738
Document Number	61205-254
Book / Page	61205 / 254
Instrument Date	Sep 26, 2019
Instrument	106290
Transaction Type	Transfer
Record Updated	May 12, 2021

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	24 GRANT ST, GARDNER, MA 01440-2738

Mortgage

Document Number	106291
Date	Oct 9, 2019
Instrument	106291

Lender

Name	NEW ENGLAND REGIONAL MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 16, 2018
Property Address	24 GRANT ST, GARDNER, MA 01440-2738
Document Number	59703-15
Book / Page	59703 / 15
Instrument	122321
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	597040333
Date	Nov 16, 2018
Instrument	59704/0333

Lender

Name	CENTRAL ONE FCU
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2048

Interest

Max Rate At Change	20.1%

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	$5,047.00 (+10,638.3%)	$366,500 (+11.74%) Land $72,400 Building $294,100	$383,607
2025	$47.00 (-98.95%)	$328,000 (+9.63%) Land $65,800 Building $262,200
2024	$4,485.00 (+1.04%)	$299,200 (+8.72%) Land $59,900 Building $239,300
2023	$4,439.00	$275,200 Land $59,000 Building $216,200

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
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	None beyond ember reach

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 388 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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