27 Union St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,802 sqft · built 1900
Lot Size	0.27 acres (11,772 sqft)
Owner	Company Name on Record
Last Sale	$54,000 (Dec 2014)
Tax Bill	$4,701 (2026)
Deeds & Mortgages	Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:4 L:28`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:4 L:28`
Alternative APN	`M:S-14 B:0058 L:0028`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	15 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,802 sqft Living Area
Gross Area	5,103 sqft
Basement Area	1,246 sqft
Unfinished Basement	1,246 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Other
Roof Type	Gable
Roof Material	Slate
Lot Area	11,772 sqft (0.27 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	27 UNION ST
City	GARDNER
State	MA
Zip	01440-3425
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	4
Legal Lot Number	28
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1000
Census Tract	707100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	169 MONT VERNON RD, MILFORD, NH 03055-4125
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2014 · Amount on Record
Deed Sale	Dec 9, 2014 · Amount on Record
Prior Sale	Mar 29, 2002 · Amount on Record
Deed Document Number	2014115959
Deed Book / Page	53129 / 160
Transfer Doc	53129-160
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	27 UNION ST, GARDNER, MA 01440-3425
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59650-116
Date	Nov 5, 2018
Book Page	59650/116
Instrument	117770

Lender

Name	MILLBURY SAVINGS BANK
Type	Bank

Agreement

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	Assessed Market Value
2026	$4,701.00 (+10,584.09%)	$341,400 (+10.16%) Land $76,600 Building $264,800	$390,812
2025	$44.00 (-98.95%)	$309,900 (+10.6%) Land $69,600 Building $240,300
2024	$4,200.00 (+0.14%)	$280,200 (+7.77%) Land $63,300 Building $216,900
2023	$4,194.00	$260,000 Land $62,400 Building $197,600

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
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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Union St

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