29 Nelson St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 29 Nelson St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,761 sqft · built 1955
Lot Size	0.188 acres (8,180 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Oct 2025)
Tax Bill	$4,330 (2025)
Deeds & Mortgages	Aug 2024 Mortgage Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:20 L:7`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:20 L:7`
Alternative APN	`M:T-26 B:0014 L:0007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,761 sqft Living Area
Gross Area	3,227 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,180 sqft (0.188 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	29 NELSON ST
City	GARDNER
State	MA
Zip	01440-2010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	DORIS M PARR
Legal Block	20
Legal Lot Number	7
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1034
Census Tract	707500

Owner

Source: Worcester County and Gardner City records, as of June 26, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	29 NELSON ST, GARDNER, MA 01440-2010
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2024	Deed of Trust, Mortgage · FHA Mortgage SWIFT HOME LOANS INC
Oct 31, 2025	Quit Claim Deed, Transfer CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2025 · Amount on Record
Deed Sale	Oct 31, 2025 · Amount on Record
Prior Sale	Nov 23, 1992 · Amount on Record
Deed Document Number	202595152
Deed Book / Page	72766 / 221
Record Updated	Sep 20, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	29 NELSON ST, GARDNER, MA 01440-2010
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070909-296
Date	Aug 19, 2024
Book Page	70909/296
Instrument	66417

Lender

Name	SWIFT HOME LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 31, 2025
Property Address	29 NELSON ST, GARDNER, MA 01440-2010
Document Number	072766-221
Book / Page	72766 / 221
Instrument Date	Oct 31, 2025
Instrument	95152
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	29 NELSON ST, GARDNER, MA 01440-2010

Mortgage

Document Number	0000095153
Date	Oct 31, 2025
Instrument	95153

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

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
2025	$4,330.00 (-1.61%)	$301,500 (+2.69%) Land $67,400 Building $234,100	$389,215
2024	$4,401.00 (+7.68%)	$293,600 (+15.86%) Land $61,300 Building $232,300
2023	$4,087.00	$253,400 Land $60,400 Building $193,000

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

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

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	None beyond ember reach

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 244 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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