27 Suomi Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 27 Suomi Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,447 sqft · built 1930
Lot Size	0.893 acres (38,911 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Jan 2021)
Tax Bill	$5,530 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`M:K-27 B:0005 L:0011`

Property Details

APN / Parcel Number

Primary APN	`M:K-27 B:0005 L:0011`
Alternative APN	`GARD M:M27 B:11 L:11`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,447 sqft Living Area
Gross Area	3,344 sqft
Basement Area	1,028 sqft
Unfinished Basement	1,028 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,911 sqft (0.893 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	27 SUOMI RD
City	GARDNER
State	MA
Zip	01440-1859
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	11
Legal Lot Number	11
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3011
Census Tract	707400

Owner

27 Suomi Rd is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	27 SUOMI RD, GARDNER, MA 01440-1859
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) GFA FEDERAL CREDIT UNION
Jan 22, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MSA LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2021 · Amount on File
Deed Sale	Jan 22, 2021 · Amount on File
Prior Sale	Nov 16, 2015 · Amount on File
Deed Book / Page	64293 / 270
Prior Transfer Date	Jan 14, 2021
Prior Transfer Doc	64293-270
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	27 SUOMI RD, GARDNER, MA 01440-1859
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069498-66
Date	Aug 9, 2023
Book Page	69498/66
Instrument	65340

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2043

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 22, 2021
Property Address	27 SUOMI RD, GARDNER, MA 01440-1859
Document Number	64293-270
Book / Page	64293 / 270
Instrument Date	Jan 14, 2021
Instrument	10376
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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	27 SUOMI RD, GARDNER, MA 01440-1859

Mortgage

Document Number	10377
Date	Jan 22, 2021
Instrument	10377

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 27 Suomi Rd was $5,530, up 10,334% from the year before.

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	$5,530.00 (+10,333.96%)	$401,600 (+8.02%) Land $69,200 Building $332,400	$386,164 (+8.45%)
2025	$53.00 (-98.97%)	$371,800 (+8.05%) Land $63,000 Building $308,800	$356,060
2024	$5,158.00 (+3.43%)	$344,100 (+11.29%) Land $57,300 Building $286,800
2023	$4,987.00	$309,200 Land $56,400 Building $252,800

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

Flood

FEMA maps place 27 Suomi Rd in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 27 Suomi Rd 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	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 380 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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