25 Westford St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 2,740 sqft · built 1900
Lot Size	0.187 acres (8,125 sqft)
Owner	2 Individual Names on File
Last Sale	$549,000 (Sep 2025)
Tax Bill	$5,730 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Nov 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-25 B:0005 L:0024`

Property Details

APN / Parcel Number

Primary APN	`M:R-25 B:0005 L:0024`
Alternative APN	`GARD M:R27 B:23 L:24`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,740 sqft Living Area
Gross Area	5,451 sqft
Basement Area	1,047 sqft
Unfinished Basement	1,047 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	8,125 sqft (0.187 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	25 WESTFORD ST
City	GARDNER
State	MA
Zip	01440-2342
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	23
Legal Lot Number	24
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3004
Census Tract	707500

Owner

25 Westford St, a duplex, is owned and occupied by two individuals who bought it in September 2025.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	25 WESTFORD ST, GARDNER, MA 01440-2342
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Nov 26, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROSE MARIE SANCHEZ PR
Sep 17, 2018	Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2025 · Amount on File
Deed Sale	Sep 25, 2025 · Amount on File
Prior Sale	Nov 26, 2024 · Amount on File
Deed Document Number	202582402
Deed Book / Page	72585 / 202
Record Updated	Oct 29, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 25, 2025
Property Address	25 WESTFORD ST, GARDNER, MA 01440-2342
Document Number	072585-202
Book / Page	72585 / 202
Instrument Date	Sep 25, 2025
Instrument	82402
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount on Record
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	Tenants in Common
Address	25 WESTFORD ST, GARDNER, MA 01440-2342

Mortgage

Document Number	0000082403
Date	Sep 25, 2025
Instrument	82403

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

November 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 26, 2024
Property Address	25 WESTFORD ST, GARDNER, MA 01440-2342
Document Number	071348-219
Book / Page	71348 / 219
Instrument Date	Nov 25, 2024
Instrument	98941
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount 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	71 WILDWOOD DR, FITCHBURG, MA 01420-3936

Mortgage

Document Number	0000098943
Date	Nov 26, 2024
Instrument	98943

Lender

Name	ROSE MARIE SANCHEZ PR

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	071348-223
Date	Nov 26, 2024
Book Page	71348/223
Instrument	98942

Lender

Name	MTL INVESTMENTS LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	25 WESTFORD ST, GARDNER, MA 01440-2342
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59414-175
Date	Sep 17, 2018
Book Page	59414/175
Instrument	98122

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 25 Westford St was $5,730, up 5.3% from the year before.

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	$5,730.00 (+5.33%)	$416,100 (+9.85%) Land $81,600 Building $334,500	$473,622
2025	$5,440.00 (+6.67%)	$378,800 (+11.35%) Land $74,200 Building $304,600
2024	$5,100.00 (+0.26%)	$340,200 (+7.86%) Land $67,400 Building $272,800
2023	$5,087.00	$315,400 Land $66,400 Building $249,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 25 Westford St in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 25 Westford St is low, with a 0.01% annual chance of 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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