254 Coleman St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 254 Coleman St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,431 sqft · built 1870
Lot Size	0.708 acres (30,838 sqft)
Owner	2 Individual Names on File
Last Sale	$386,500 (Oct 2023)
Tax Bill	$4,482 (2025)
Deeds & Mortgages	Nov 2022 Refinance Jun 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:H22 B:10 L:18`

Property Details

APN / Parcel Number

Primary APN	`GARD M:H22 B:10 L:18`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,431 sqft Living Area
Gross Area	3,928 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Conventional
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,838 sqft (0.708 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	254 COLEMAN ST
City	GARDNER
State	MA
Zip	01440-3720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	10
Legal Lot Number	18
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2020
Census Tract	707300

Owner

254 Coleman St is owned and occupied by two individuals who bought it in October 2023.

Source: Worcester County and Gardner City records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	254 COLEMAN ST, GARDNER, MA 01440-3720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance GUILD MORTGAGE CO
Jun 21, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 28, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 23, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 16, 2023	Quit Claim Deed, Transfer · FHA Mortgage ONTO MORTGAGE
Oct 16, 2023	Quit Claim Deed, Transfer Quitclaim
Dec 5, 2019	Deed of Trust, Mortgage NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2023 · Amount on File
Deed Sale	Oct 16, 2023 · Amount on File
Prior Sale	Jun 19, 2013 · Amount on File
Deed Book / Page	69764 / 49
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	254 COLEMAN ST, GARDNER, MA 01440-3720
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068518-149
Date	Nov 22, 2022
Book Page	68518/149
Instrument	125015

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	254 COLEMAN ST, GARDNER, MA 01440-3720
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067775-343
Date	Jun 21, 2022
Book Page	67775/343
Instrument	66921

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	253 Months
Due	Jul 1, 2043

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	254 COLEMAN ST, GARDNER, MA 01440-3720
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071910-62
Date	Apr 28, 2025
Book Page	71910/62
Instrument	32664

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	May 1, 2053

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	254 COLEMAN ST, GARDNER, MA 01440-3720
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070928-53
Date	Aug 23, 2024
Book Page	70928/53
Instrument	67799

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Sep 1, 2053

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 16, 2023
Property Address	254 COLEMAN ST, GARDNER, MA 01440-3720
Document Number	0069764-49
Book / Page	69764 / 49
Instrument Date	Oct 16, 2023
Instrument	86056
Transaction Type	Transfer
Record Updated	Nov 3, 2023

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 by the Entirety
Address	254 COLEMAN ST, GARDNER, MA 01440-3720

Mortgage

Document Number	0000086057
Date	Oct 16, 2023
Instrument	86057

Lender

Name	ONTO MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 16, 2023
Property Address	254 COLEMAN ST, GARDNER, MA 01440-3720
Document Number	0069764-69
Book / Page	69764 / 69
Instrument Date	Oct 11, 2023
Instrument	86059
Transaction Type	Transfer
Record Updated	Nov 3, 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	254 COLEMAN ST, GARDNER, MA 01440-3720

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	254 COLEMAN ST, GARDNER, MA 01440-3720
Document Number	61568-210
Instrument Date	Dec 5, 2019
Transaction Type	Mortgage
Record Updated	Jan 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	254 COLEMAN ST GARDNER MA 014403720, GARDNER, MA 01440-3720

Tax Assessment & Valuation

The 2025 property tax bill for 254 Coleman St was $4,482, up 12.5% 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
2025	$4,482.00 (+12.5%)	$312,100 (+17.42%) Land $60,600 Building $251,500	$360,430
2024	$3,984.00 (+3.05%)	$265,800 (+10.89%) Land $55,100 Building $210,700
2023	$3,866.00	$239,700 Land $54,200 Building $185,500

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

Flood

FEMA maps place 254 Coleman St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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 254 Coleman St is low, with less than 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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 356 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

Cell Coverage

5G (outdoors only) and 4G LTE

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