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28 Jonathan St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 28 Jonathan St, Gardner, MA 01440

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,762 sqft · built 1926
Lot Size0.134 acres (5,850 sqft)
Owner2 Individual Names on File
Last Sale$412,000 (Feb 2024)
Tax Bill$4,248 (2025)
Deeds & MortgagesMay 2025 Mortgage
Feb 2024 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNM:N-27 B:0005 L:0019

Property Details

APN / Parcel Number

Primary APNM:N-27 B:0005 L:0019
Alternative APN
  • GARD M:M27 B:14 L:19

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area1,762 sqft Living Area
Gross Area3,609 sqft

Exterior

Year BuiltBuilt 1926
Effective Year BuiltEffective 1926
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Roof TypeGambrel
Roof MaterialAsphalt
Lot Area5,850 sqft (0.134 acres)

Utilities, Heating & Cooling

Heating SystemSteam
Heating FuelGas

Location & Zoning

Street Address28 JONATHAN ST
CityGARDNER
StateMA
Zip01440-1906
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionWEST END LAND & BLDG CO
Legal Block14
Legal Lot Number19
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group2
Census Block2002
Census Tract707400

Owner

Source: Worcester County and Gardner City records · APN M:N-27 B:0005 L:0019

Assessment roll updated April 14, 2026 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address28 JONATHAN ST, GARDNER, MA 01440-1906
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
May 23, 2025Deed of Trust, Mortgage · FHA Mortgage
SWIFT HOME LOANS INC
Feb 26, 2024Quit Claim Deed, Transfer · FHA Mortgage
TOTAL MORTGAGE SERVICES LLC
Jan 19, 2018Quit Claim Deed, Transfer · Conventional Mortgage
EVOLVE BK&TR

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 26, 2024 · Amount on Record
Deed SaleFeb 26, 2024 · Amount on Record
Prior SaleJan 19, 2018 · Amount on Record
Deed Book / Page70226 / 54
Transfer Doc42847-260
Record UpdatedJun 08, 2026

May 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Property Address28 JONATHAN ST, GARDNER, MA 01440-1906
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number00072024-1
DateMay 23, 2025
Book Page72024/1
Instrument41023
Lender
NameSWIFT HOME LOANS INC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2055

February 2024: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateFeb 26, 2024
Property Address28 JONATHAN ST, GARDNER, MA 01440-1906
Document Number0070226-54
Book / Page70226 / 54
Instrument DateFeb 26, 2024
Instrument13750
Transaction TypeTransfer
Record UpdatedMar 15, 2024

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address28 JONATHAN ST, GARDNER, MA 01440-1906

Mortgage

Document Number0000013751
DateFeb 26, 2024
Instrument13751
Lender
NameTOTAL MORTGAGE SERVICES LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded

January 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateJan 19, 2018
Property Address28 JONATHAN ST, GARDNER, MA 01440-1906
Document Number58337-381
Book / Page058337 / 000381
Instrument DateJan 09, 2018
Instrument6054
Transaction TypeTransfer
Record UpdatedFeb 06, 2018

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,003.20
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address28 JONATHAN ST GARDNER MA 014401906, GARDNER, MA 01440-1906

Mortgage

Document Number58337-384
DateJan 19, 2018
Book Page058337/000384
Instrument6055
Lender
NameEVOLVE BK&TR
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 18, 2048

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,248.00 (-2.52%)$295,800 (+1.75%) Land $72,700 Building $223,100$383,040
2024$4,358.00 (+5.78%)$290,700 (+13.82%) Land $66,100 Building $224,600
2023$4,120.00$255,400 Land $65,100 Building $190,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 30, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Gateway Fiber Holdings
Fiber		2,000 / 2,000

May also be available: Verizon.

Based on FCC filings for 272 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemGARDNER WATER DEPARTMENT
serves 21,381 people
Water SourceSurface water
Last State InspectionOct 2024
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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