27 Cedar St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 27 Cedar St, Gardner, MA 01440 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,740 sqft · built 1920
Lot Size	0.139 acres (6,075 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Jun 2017)
Tax Bill	$44 (2025)
Deeds & Mortgages	Jan 2019 Refinance Sep 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-25 B:0002 L:0017`

Property Details

APN / Parcel Number

Primary APN	`M:R-25 B:0002 L:0017`
Alternative APN	`GARD M:R27 B:23 L:17`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,740 sqft Living Area
Gross Area	3,215 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,075 sqft (0.139 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	27 CEDAR ST
City	GARDNER
State	MA
Zip	01440-2317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	23
Legal Lot Number	17
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3005
Census Tract	707500

Owner

Source: Worcester County and Gardner City records · APN M:R-25 B:0002 L:0017

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	27 CEDAR ST, GARDNER, MA 01440-2317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Sep 16, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance WORKERS CU
Jun 16, 2017	Quit Claim Deed, Transfer · Conventional with PMI MY 3 SONS INV LLC
Mar 22, 2017	Foreclosure

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 16, 2017 · Amount on Record
Deed Sale	Jun 16, 2017 · Amount on Record
Prior Sale	Mar 27, 2017 · Amount on Record
Deed Book / Page	57272 / 386
Last Transfer Date	Sep 11, 2020
Transfer Doc	63264-161
Record Updated	Sep 20, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	27 CEDAR ST, GARDNER, MA 01440-2317
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	059935-272
Date	Jan 14, 2019
Book Page	59935/272
Instrument	3826

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2049

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 16, 2020
Property Address	27 CEDAR ST, GARDNER, MA 01440-2317
Document Number	63264-161
Book / Page	63264 / 161
Instrument Date	Sep 11, 2020
Instrument	106842
Transaction Type	Transfer
Record Updated	May 12, 2021

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	27 CEDAR ST, GARDNER, MA 01440-2317

Mortgage

Document Number	063264-164
Date	Sep 16, 2020
Book Page	63264/164
Instrument	106843

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 16, 2017
Property Address	27 CEDAR ST, GARDNER, MA 01440-2317
Document Number	57272-386
Book / Page	057272 / 000386
Instrument Date	Jun 15, 2017
Instrument	62441
Transaction Type	Transfer
Record Updated	Jul 05, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$798.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 CEDAR ST GARDNER MA 014402317, GARDNER, MA 01440-2317

Mortgage

Document Number	57272-389
Date	Jun 16, 2017
Book Page	057272/000389
Instrument	62442

Lender

Name	MY 3 SONS INV LLC

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2047

March 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Mar 22, 2017
Property Address	27 CEDAR ST, GARDNER, MA 01440-2317
Document Number	56877-277
Book / Page	056877 / 000277
Instrument Date	Dec 01, 2016
Instrument	28652
Transaction Type	Foreclosure
Record Updated	Apr 11, 2017

Transaction

Amount	Amount Recorded
Tax	$410.00
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13801 WIRELESS WAY OKLAHOMA CITY OK 731342500, OKLAHOMA CITY, OK 73134-2500

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$44.00 (-98.97%)	$310,700 (+9.32%) Land $66,200 Building $244,500	$368,030
2024	$4,260.00 (+3.07%)	$284,200 (+10.93%) Land $60,200 Building $224,000
2023	$4,133.00	$256,200 Land $59,300 Building $196,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277075003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 388 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Gateway Fiber Holdings	Fiber	2,000 / 2,000
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

27 Cedar St, Gardner, MA 01440 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2017: Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Nearby Properties on Cedar St

Nearby Streets

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