29 Oak St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 3,975 sqft · built 1917
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Jun 2021)
Tax Bill	$64 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:N-25 B:0040 L:0059`

Property Details

APN / Parcel Number

Primary APN	`M:N-25 B:0040 L:0059`
Alternative APN	`GARD M:M27 B:24 L:59`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,975 sqft Living Area
Gross Area	6,212 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	6,000 sqft (0.138 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	29 OAK ST
City	GARDNER
State	MA
Zip	01440-3959
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Block	24
Legal Lot Number	59
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1000
Census Tract	707300

Owner

29 Oak St, a triplex, is owned and occupied by an individual who bought it in June 2021.

Source: Worcester County and Gardner City records, as of April 14, 2026

Owner of Record	Individual Name on File
Mailing Address	29 OAK ST, GARDNER, MA 01440-3959
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 25, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKLAND TRUST CO
Apr 30, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Jul 3, 2018	Quit Claim Deed, Transfer · FHA Mortgage Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2021 · Amount on File
Deed Sale	Jun 25, 2021 · Amount on File
Prior Sale	Apr 30, 2020 · Amount on File
Deed Book / Page	65480 / 319
Prior Transfer Date	Jun 17, 2021
Prior Transfer Doc	065480-319
Record Updated	Oct 29, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 25, 2021
Property Address	29 OAK ST, GARDNER, MA 01440-3959
Document Number	065480-319
Book / Page	65480 / 319
Instrument Date	Jun 17, 2021
Instrument	89064
Transaction Type	Transfer
Record Updated	Jul 26, 2024

Transaction

Amount	Amount on Record
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
Address	29 OAK ST, GARDNER, MA 01440-3959

Mortgage

Document Number	0000089145
Date	Jun 25, 2021
Instrument	89145

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

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

Mortgage

Document Number	065481-349
Date	Jun 28, 2021
Book Page	65481/349
Instrument	89145

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

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

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 30, 2020
Property Address	29 OAK ST, GARDNER, MA 01440-3959
Document Number	062307-284
Book / Page	62307 / 284
Instrument Date	Apr 30, 2020
Instrument	43474
Transaction Type	Transfer
Record Updated	Apr 11, 2022

Transaction

Amount	Amount on Record
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
Address	4 COMEE ST, GARDNER, MA 01440-2306

Mortgage

Document Number	0000043475
Date	Apr 30, 2020
Instrument	43475

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 3, 2018
Property Address	29 OAK ST, GARDNER, MA 01440-3959
Document Number	59051-286
Book / Page	59051 / 286
Instrument	67485
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	-
Date	Jul 3, 2018
Instrument	59051/0291

Lender

Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 3, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 29 Oak St was $64, down 98.8% 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
2025	$64.00 (-98.78%)	$449,800 (+28.81%) Land $62,900 Building $386,900
2024	$5,235.00 (+0.58%)	$349,200 (+8.21%) Land $57,200 Building $292,000
2023	$5,205.00	$322,700 Land $56,300 Building $266,400

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 29 Oak 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 29 Oak 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	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 519 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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