27 Kendall St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 27 Kendall St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,273 sqft · built 1925
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Nov 2018)
Tax Bill	$6,603 (2026)
Deeds & Mortgages	Sep 2021 Refinance Sep 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-17 B:0018 L:0022`

Property Details

APN / Parcel Number

Primary APN	`M:R-17 B:0018 L:0022`
Alternative APN	`GARD M:R17 B:13 L:22`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,273 sqft Living Area
Gross Area	3,381 sqft
Basement Area	875 sqft
Unfinished Basement	875 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	27 KENDALL ST
City	GARDNER
State	MA
Zip	01440-4112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	13
Legal Lot Number	22
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2037
Census Tract	707100

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	27 KENDALL ST, GARDNER, MA 01440-4112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Sep 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Oct 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ENVOY MORTGAGE LTD
Dec 20, 2018	Quit Claim Deed, Transfer Quitclaim
Nov 29, 2018	Quit Claim Deed, Transfer ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2018 · Amount on Record
Deed Sale	Nov 29, 2018 · Amount on Record
Prior Sale	Sep 28, 2016 · Amount on Record
Deed Book / Page	59750 / 378
Last Transfer Date	Dec 18, 2018
Transfer Doc	59846-72
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	27 KENDALL ST, GARDNER, MA 01440-4112
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00066149-1
Date	Sep 27, 2021
Book Page	66149/1
Instrument	134762

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	27 KENDALL ST, GARDNER, MA 01440-4112
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66149-1
Date	Sep 27, 2021
Book Page	66149/1
Instrument	134762

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	27 KENDALL ST, GARDNER, MA 01440-4112
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61330-234
Date	Oct 30, 2019
Book Page	61330/234
Instrument	115550

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 20, 2018
Property Address	27 KENDALL ST, GARDNER, MA 01440-4112
Document Number	59846-72
Book / Page	059846 / 000072
Instrument Date	Dec 18, 2018
Instrument	134542
Transaction Type	Transfer
Record Updated	Jan 8, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 KENDALL ST GARDNER MA 014404112, GARDNER, MA 01440-4112

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 29, 2018
Property Address	27 KENDALL ST, GARDNER, MA 01440-4112
Document Number	59750-378
Book / Page	59750 / 378
Instrument	126319
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39.93
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	597500380
Date	Nov 29, 2018
Instrument	59750/0380

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2048

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	$6,603.00 (+10,905%)	$479,500 (+14.52%) Land $75,400 Building $404,100	$474,972 (+22.51%)
2025	$60.00 (-99.04%)	$418,700 (+0.1%) Land $68,500 Building $350,200	$387,695
2024	$6,270.00 (+6.85%)	$418,300 (+14.98%) Land $62,300 Building $356,000
2023	$5,868.00	$363,800 Land $61,400 Building $302,400

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 · 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	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

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.

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 252 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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