28 Union St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 2,768 sqft · built 1880
Lot Size	0.378 acres (16,470 sqft)
Owner	Company Name on Record
Last Sale	$509,700 (Aug 2024)
Tax Bill	$60 (2025)
Deeds & Mortgages	Oct 2022 Refinance Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:4 L:23`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:4 L:23`
Alternative APN	`M:S-14 B:0003 L:0014`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Units	3 Units
Stories	2 Stories
Building Area	2,768 sqft Living Area
Gross Area	4,899 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	16,470 sqft (0.378 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	28 UNION ST
City	GARDNER
State	MA
Zip	01440-3468
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Block	4
Legal Lot Number	23
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1032
Census Tract	707100

Owner

Source: Worcester County and Gardner City records, as of April 14, 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	117 CHARANT RD, LOWELL, MA 01854-1089
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2022	Quit Claim Deed, Transfer · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC
Jun 27, 2017	Deed of Trust, Mortgage MILLBURY SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2024 · Amount on Record
Deed Sale	Aug 19, 2024 · Amount on Record
Prior Sale	Mar 9, 2009 · Amount on Record
Deed Document Number	202466487
Deed Book / Page	70910 / 294
Record Updated	Oct 29, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 6, 2022
Property Address	28 UNION ST, GARDNER, MA 01440-3468
Document Number	068320-328
Book / Page	68320 / 328
Instrument Date	Oct 5, 2022
Instrument	109406
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 UNION ST, GARDNER, MA 01440-3468

Mortgage

Document Number	068320-332
Date	Oct 6, 2022
Book Page	68320/332
Instrument	109407

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	28 UNION ST, GARDNER, MA 01440-3468
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57325-364
Date	Jun 27, 2017
Book Page	57325/364
Instrument	67038

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
2025	$60.00 (-98.74%)	$423,100 (+32.72%) Land $72,400 Building $350,700
2024	$4,779.00 (+4.03%)	$318,800 (+11.94%) Land $65,900 Building $252,900
2023	$4,594.00	$284,800 Land $65,000 Building $219,800

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 · 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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