29 Sand St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,920 sqft · built 1920
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$219,000 (Mar 2019)
Tax Bill	$4,730 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:M-26 B:0051 L:0023`

Property Details

APN / Parcel Number

Primary APN	`M:M-26 B:0051 L:0023`
Alternative APN	`GARD M:M27 B:18 L:23`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,920 sqft Living Area
Gross Area	3,149 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	29 SAND ST
City	GARDNER
State	MA
Zip	01440-2113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	18
Legal Lot Number	23
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2004
Census Tract	707400

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	29 SAND ST, GARDNER, MA 01440-2113
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) GFA FEDERAL CREDIT UNION
Oct 31, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) GFA FEDERAL CREDIT UNION
Aug 31, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 28, 2019	Quit Claim Deed, Transfer · FHA Mortgage BANK OF AMERICA
Sep 6, 2018	Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2019 · Amount on Record
Deed Sale	Mar 28, 2019 · Amount on Record
Prior Sale	Sep 6, 2018 · Amount on Record
Deed Document Number	201926665
Deed Book / Page	60199 / 347
Prior Transfer Date	Mar 27, 2019
Prior Transfer Doc	60199-347
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	29 SAND ST, GARDNER, MA 01440-2113
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072485-304
Date	Sep 3, 2025
Book Page	72485/304
Instrument	74939

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2045

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	29 SAND ST, GARDNER, MA 01440-2113
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00069826-1
Date	Oct 31, 2023
Book Page	69826/1
Instrument	90904

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2043

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	29 SAND ST, GARDNER, MA 01440-2113
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	063151-308
Date	Aug 31, 2020
Book Page	63151/308
Instrument	99185

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Sep 1, 2049

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 28, 2019
Property Address	29 SAND ST, GARDNER, MA 01440-2113
Document Number	60199-347
Book / Page	060199 / 000347
Instrument Date	Mar 27, 2019
Instrument	26665
Transaction Type	Transfer
Record Updated	Apr 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$998.64
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 SAND ST GARDNER MA 014402113, GARDNER, MA 01440-2113

Mortgage

Document Number	60199-350
Date	Mar 28, 2019
Book Page	060199/000350
Instrument	26666

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 27, 2049

September 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Sep 6, 2018
Property Address	29 SAND ST, GARDNER, MA 01440-2113
Document Number	59365-234
Book / Page	059365 / 000234
Instrument Date	Aug 15, 2018
Instrument	94081
Transaction Type	Foreclosure
Record Updated	Sep 27, 2018

Transaction

Amount	Amount Recorded
Tax	$547.20
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	263 ROBBINS RD RINDGE NH 034615470, RINDGE, NH 03461-5470

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
2026	$4,730.00 (+3.68%)	$343,500 (+8.12%) Land $76,000 Building $267,500	$385,811 (+4.64%)
2025	$4,562.00 (-0.11%)	$317,700 (+4.27%) Land $69,000 Building $248,700	$368,695
2024	$4,567.00 (+2.58%)	$304,700 (+10.4%) Land $62,800 Building $241,900
2023	$4,452.00	$276,000 Land $61,900 Building $214,100

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	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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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