Worcester County and Gardner City property record for 255 Saunders St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,050 sqft · built 1987 |
| Lot Size | 1.25 acres (54,450 sqft) |
| Owner | Individual on Record |
| Last Sale | $210,000 (Oct 2010) |
| Tax Bill | $5,417 (2025) |
| Deeds & Mortgages | Oct 2025 Second Mortgage Dec 2018 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:W-22 B:0007A L:0041 |
| Primary APN | M:W-22 B:0007A L:0041 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,050 sqft Living Area |
| Gross Area | 3,888 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 54,450 sqft (1.25 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 255 SAUNDERS ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | MARK E STILES |
| Legal Block | 24 |
| Legal Lot Number | 41 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Mailing Address | 255 SAUNDERS ST, GARDNER, MA 01440-2429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 29, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GFA FEDERAL CREDIT UNION |
| Dec 27, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 22, 2010 · Amount on Record |
| Deed Sale | Oct 22, 2010 · Amount on Record |
| Prior Sale | Mar 18, 2005 |
| Deed Document Number | 2010117049 |
| Deed Book / Page | 46519 / 197 |
| Transfer Doc | 35911-189 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 255 SAUNDERS ST, GARDNER, MA 01440-2429 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 072746-351 |
|---|---|
| Date | Oct 29, 2025 |
| Book Page | 72746/351 |
| Instrument | 93812 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 255 SAUNDERS ST, GARDNER, MA 01440-2429 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59872-268 |
|---|---|
| Date | Dec 27, 2018 |
| Book Page | 59872/268 |
| Instrument | 136784 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 109 Months |
| Due | Jan 1, 2028 |
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 |
|---|---|---|---|
| 2025 | $5,417.00 (-3.42%) | $377,200 (+0.8%) Land $94,500 Building $282,700 | $405,840 |
| 2024 | $5,609.00 (+4.45%) | $374,200 (+12.41%) Land $86,100 Building $288,100 | |
| 2023 | $5,370.00 | $332,900 Land $84,900 Building $248,000 |
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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