283 Matthews St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 283 Matthews St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,440 sqft · built 1941
Lot Size	3.16 acres (137,972 sqft)
Owner	Individual Name on File
Last Sale	$232,900 (Jul 2018)
Tax Bill	$5,624 (2026)
Deeds & Mortgages	Jun 2021 Refinance Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R32 B:15 L:4`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R32 B:15 L:4`
Alternative APN	`M:W-32 B:0007 L:0004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
Gross Area	3,957 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	137,972 sqft (3.16 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	283 MATTHEWS ST
City	GARDNER
State	MA
Zip	01440-1350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	15
Legal Lot Number	4
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1022
Census Tract	707500

Owner

283 Matthews St is owned and occupied by an individual who bought it in July 2018.

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

Owner of Record	Individual Name on File
Mailing Address	283 MATTHEWS ST, GARDNER, MA 01440-1350
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
Jun 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Dec 13, 2019	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL SERVICES NETWORK
Jul 25, 2018	Quit Claim Deed, Transfer · VA Mortgage VILLAGE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2018 · Amount on File
Deed Sale	Jul 25, 2018 · Amount on File
Prior Sale	Mar 17, 2017 · Amount on File
Deed Book / Page	59149 / 135
Transfer Doc	059149-135
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	283 MATTHEWS ST, GARDNER, MA 01440-1350
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065460-365
Date	Jun 24, 2021
Book Page	65460/365
Instrument	87652

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	283 MATTHEWS ST, GARDNER, MA 01440-1350
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61584-238
Date	Dec 13, 2019
Book Page	61584/238
Instrument	135335

Lender

Name	AMERICAN FINANCIAL SERVICES NETWORK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2051

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 25, 2018
Property Address	283 MATTHEWS ST, GARDNER, MA 01440-1350
Document Number	59149-135
Book / Page	59149 / 135
Instrument	75917
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33.57
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	283 MATTHEWS ST, GARDNER, MA 01440-1350

Mortgage

Document Number	591490138
Date	Jul 25, 2018
Instrument	59149/0138

Lender

Name	VILLAGE MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 25, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 283 Matthews St was $5,624, up 10,314.8% 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	$5,624.00 (+10,314.81%)	$408,400 (+8.24%) Land $105,000 Building $303,400	$447,126 (+35.25%)
2025	$54.00 (-99%)	$377,300 (+4.28%) Land $96,000 Building $281,300	$330,600
2024	$5,423.00 (+2.88%)	$361,800 (+10.71%) Land $88,200 Building $273,600
2023	$5,271.00	$326,800 Land $85,200 Building $241,600

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

Flood

FEMA maps place 283 Matthews St in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 283 Matthews St 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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