Worcester County and Gardner City property record for 28 Mill St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,310 sqft · built 1940 |
| Lot Size | 0.198 acres (8,630 sqft) |
| Owner | Trust Name on File |
| Last Sale | $79,000 (May 1998) |
| Tax Bill | $35 (2025) |
| Deeds & Mortgages | Oct 2019 Line of Credit Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R17 B:23 L:7 |
| Primary APN | GARD M:R17 B:23 L:7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,310 sqft Living Area |
| Gross Area | 2,260 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,630 sqft (0.198 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 28 MILL ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 23 |
| Legal Lot Number | 7 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 707100 |
Source: Worcester County and Gardner City records · APN GARD M:R17 B:23 L:7
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 Record | Trust Name on File |
|---|---|
| Mailing Address | 28 MILL ST, BALDWINVILLE, MA 01436-1206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Oct 16, 2019 | Deed of Trust, Mortgage · Line of Credit ALLCOM CU |
| Oct 30, 2017 | Deed of Trust, Mortgage · Conventional Mortgage ALLCOM CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 27, 1998 · Amount on Record |
| Deed Sale | May 27, 1998 · Amount on Record |
| Deed Book / Page | 19986 / 343 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 28 MILL ST, GARDNER, MA 01440-3223 |
| Document Number | 61256-48 |
| Instrument Date | Oct 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 05, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 28 MILL ST GARDNER MA 014403223, GARDNER, MA 01440-3223 |
| Document Number | 61256-48 |
|---|---|
| Date | Oct 18, 2019 |
| Book Page | 061256/000048 |
| Instrument | 110167 |
| Name | ALLCOM CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 17, 2039 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 28 MILL ST, GARDNER, MA 01440-3223 |
| Document Number | 57967-364 |
| Book / Page | 057967 / 000364 |
| Instrument Date | Oct 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Document Number | 57967-364 |
|---|---|
| Date | Oct 31, 2017 |
| Book Page | 057967/000364 |
| Instrument | 121251 |
| Name | ALLCOM CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 30, 2037 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $35.00 (-99.05%) | $248,500 (+1.22%) Land $67,700 Building $180,800 | $333,640 |
| 2024 | $3,680.00 | $245,500 Land $61,600 Building $183,900 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), as of November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277071001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
May also be available: Verizon.
Based on FCC filings for 252 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system MA2103000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARDNER WATER DEPARTMENT serves 21,381 people |
|---|---|
| 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 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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