Worcester County and Gardner City property record for 27 Norman St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,092 sqft · built 1965 |
| Lot Size | 0.219 acres (9,520 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $175,000 (Dec 2005) |
| Tax Bill | $4,632 (2026) |
| Deeds & Mortgages | Oct 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M27 B:8 L:22 |
| Primary APN | GARD M:M27 B:8 L:22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| Gross Area | 2,496 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 1,092 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,520 sqft (0.219 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 27 NORMAN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1915 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 8 |
| Legal Lot Number | 22 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 707400 |
27 Norman St is owned and occupied by two individuals who bought it in December 2005.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 27 NORMAN ST, GARDNER, MA 01440-1915 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2005 · Amount on File |
| Deed Sale | Dec 15, 2005 · Amount on File |
| Prior Sale | Oct 17, 1988 · Amount on File |
| Deed Document Number | 2005214064 |
| Deed Book / Page | 38026 / 76 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 27 NORMAN ST, GARDNER, MA 01440-1915 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66320-256 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 66320/256 |
| Instrument | 146314 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
The 2026 property tax bill for 27 Norman St was $4,632, up 9,969.6% from the year before.
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 |
|---|---|---|---|
| 2026 | $4,632.00 (+9,969.57%) | $336,400 (+4.99%) Land $82,600 Building $253,800 | $346,014 (+13.5%) |
| 2025 | $46.00 (-98.98%) | $320,400 (+6.34%) Land $75,000 Building $245,400 | $304,855 |
| 2024 | $4,516.00 (+16.21%) | $301,300 (+25.07%) Land $68,300 Building $233,000 | |
| 2023 | $3,886.00 | $240,900 Land $67,300 Building $173,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 27 Norman St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · rainfall accumulation |
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 risk around 27 Norman St is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 272 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 |
May also be available: Verizon.
5G and 4G LTE (outdoors only)
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