261 Matthews St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 261 Matthews St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,947 sqft · built 2004
Lot Size	4.85 acres (211,589 sqft)
Owner	2 Individual Names on Record
Last Sale	$187,000 (Nov 2015)
Tax Bill	$6,990 (2026)
Deeds & Mortgages	Feb 2026 Second Mortgage Jul 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-32 B:0007 L:0009A`

Property Details

APN / Parcel Number

Primary APN	`M:R-32 B:0007 L:0009A`
Alternative APN	`GARD M:R32 B:15 L:9A`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,947 sqft Living Area
Gross Area	3,790 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	211,589 sqft (4.85 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	261 MATTHEWS ST
City	GARDNER
State	MA
Zip	01440-1350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	15
Legal Lot Number	9A
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1022
Census Tract	707500

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	261 MATTHEWS ST, GARDNER, MA 01440-1350
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jul 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU
Aug 11, 2017	Deed of Trust, Mortgage GFA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2015 · Amount on Record
Deed Sale	Nov 20, 2015 · Amount on Record
Prior Sale	Jun 3, 2015 · Amount on Record
Deed Book / Page	54602 / 342
Transfer Doc	054602-342
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	261 MATTHEWS ST, GARDNER, MA 01440-1350
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073195-204
Date	Feb 12, 2026
Book Page	73195/204
Instrument	11515

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	261 MATTHEWS ST, GARDNER, MA 01440-1350
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065610-225
Date	Jul 14, 2021
Book Page	65610/225
Instrument	97824

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	261 MATTHEWS ST, GARDNER, MA 01440-1350
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	057567-199
Date	Aug 11, 2017
Book Page	57567/199
Instrument	87384

Lender

Name	GFA FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2027

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	$6,990.00 (+10,821.88%)	$507,600 (+13.25%) Land $113,400 Building $394,200	$561,963
2025	$64.00 (-99.03%)	$448,200 (+1.4%) Land $104,400 Building $343,800
2024	$6,626.00 (+2.44%)	$442,000 (+10.22%) Land $96,600 Building $345,400
2023	$6,468.00	$401,000 Land $91,900 Building $309,100

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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