27 Oak St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 3,936 sqft · built 1900
Lot Size	0.136 acres (5,940 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Jun 2023)
Tax Bill	$6,509 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M22 B:4 L:18`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M22 B:4 L:18`
Alternative APN	`M:N-25 B:0041 L:0060`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,936 sqft Living Area
Gross Area	5,929 sqft
Basement Area	1,312 sqft
Unfinished Basement	1,312 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,940 sqft (0.136 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	27 OAK ST
City	GARDNER
State	MA
Zip	01440-3960
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R1
Legal Subdivision	KENNETH R SNOW
Legal Block	4
Legal Lot Number	18
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1000
Census Tract	707300

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	2 Individual Names on Record
Mailing Address	66 SYLVAN RD, GARDNER, MA 01440-4117
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON TRUST MORTGAGE CO
Jun 29, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BERKSHIRE BANK
Feb 19, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEOMINSTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2023 · Amount on Record
Deed Sale	Jun 29, 2023 · Amount on Record
Prior Sale	Feb 19, 2021 · Amount on Record
Deed Document Number	202351742
Deed Book / Page	69321 / 389
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	27 OAK ST, GARDNER, MA 01440-3960
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073154-174
Date	Feb 2, 2026
Book Page	73154/174
Instrument	8384

Lender

Name	WASHINGTON TRUST MORTGAGE CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 29, 2023
Property Address	27 OAK ST, BALDWINVILLE, MA 01436-1021
Document Number	069321-389
Book / Page	69321 / 389
Instrument Date	Jun 29, 2023
Instrument	51742
Transaction Type	Transfer
Record Updated	Sep 19, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	66 SYLVAN RD, GARDNER, MA 01440-4117

Mortgage

Document Number	0000051743
Date	Jun 29, 2023
Instrument	51743

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 19, 2021
Property Address	27 OAK ST, BALDWINVILLE, MA 01436-1021
Document Number	064505-160
Book / Page	64505 / 160
Instrument Date	Feb 19, 2021
Instrument	23984
Transaction Type	Transfer
Record Updated	Sep 19, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15 JAMES BROOK WAY, AYER, MA 01432-1068

Mortgage

Document Number	0000023985
Date	Feb 19, 2021
Instrument	23985

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2026	$6,509.00 (+10,231.75%)	$472,700 (+7.07%) Land $69,100 Building $403,600
2025	$63.00 (-98.77%)	$441,500 (+28.91%) Land $62,800 Building $378,700
2024	$5,134.00 (+0.82%)	$342,500 (+8.49%) Land $57,100 Building $285,400
2023	$5,092.00	$315,700 Land $56,300 Building $259,400

Assessed value is set for property tax purposes and is not a market price estimate.

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	None beyond ember reach

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 519 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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