25 Coleman St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 25 Coleman St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,770 sqft · built 1920
Lot Size	0.116 acres (5,062 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Mar 2026)
Tax Bill	$4,773 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Dec 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`M:L-25 B:0041 L:0040`

Property Details

APN / Parcel Number

Primary APN	`M:L-25 B:0041 L:0040`
Alternative APN	`GARD M:M27 B:22 L:40`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,770 sqft Living Area
Gross Area	3,854 sqft
Basement Area	885 sqft
Unfinished Basement	885 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,062 sqft (0.116 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	25 COLEMAN ST
City	GARDNER
State	MA
Zip	01440-3711
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	22
Legal Lot Number	40
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3017
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	Individual Name on Record
Mailing Address	25 COLEMAN ST, GARDNER, MA 01440-3711
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Dec 30, 2022	Fiduciary Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2026 · Amount on Record
Deed Sale	Mar 24, 2026 · Amount on Record
Prior Sale	Dec 30, 2022 · Amount on Record
Deed Document Number	202622225
Deed Book / Page	73353 / 133
Prior Transfer Date	Mar 18, 2026
Prior Transfer Doc	0000022225
Record Updated	Oct 29, 2026

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 24, 2026
Property Address	25 COLEMAN ST, GARDNER, MA 01440-3711
Document Number	073353-133
Book / Page	73353 / 133
Instrument Date	Mar 18, 2026
Instrument	22225
Transaction Type	Transfer
Record Updated	Apr 15, 2026

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	25 COLEMAN ST, GARDNER, MA 01440-3711

Mortgage

Document Number	0000022226
Date	Mar 24, 2026
Instrument	22226

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Mortgage

Document Number	073353-155
Date	Mar 24, 2026
Book Page	73353/155
Instrument	22227

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2041

December 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 30, 2022
Property Address	25 COLEMAN ST, GARDNER, MA 01440-3711
Document Number	068670-239
Book / Page	68670 / 239
Instrument Date	Dec 30, 2022
Instrument	137032
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Amount	Amount Recorded
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	354 ROLLSTONE ST, FITCHBURG, MA 01420-0160

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	$4,773.00 (+11,264.29%)	$346,600 (+16.31%) Land $72,200 Building $274,400	$403,927
2025	$42.00 (-99%)	$298,000 (+6.31%) Land $65,600 Building $232,400
2024	$4,202.00 (+2.76%)	$280,300 (+10.57%) Land $59,700 Building $220,600
2023	$4,089.00	$253,500 Land $58,800 Building $194,700

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 519 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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