29 Sylvan Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 29 Sylvan Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,392 sqft · built 2003
Lot Size	0.299 acres (13,035 sqft)
Owner	2 Individual Names on File
Last Sale	$181,125 (Oct 2016)
Tax Bill	$65 (2025)
Deeds & Mortgages	Jun 2021 Refinance Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:7 L:28`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:7 L:28`
Alternative APN	`M:Q-18 B:0005 L:0028`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,392 sqft Living Area
Gross Area	3,912 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,035 sqft (0.299 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	29 SYLVAN RD
City	GARDNER
State	MA
Zip	01440-4116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	7
Legal Lot Number	28
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2013
Census Tract	707100

Owner

Source: Worcester County and Gardner City assessment roll, 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	2 Individual Names on File
Mailing Address	29 SYLVAN RD, GARDNER, MA 01440-4116
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU
Feb 28, 2017	Deed of Trust, Mortgage RCAP SOLUTIONS FNCL
Dec 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage I-C CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 19, 2016 · Amount on Record
Deed Sale	Oct 19, 2016 · Amount on Record
Prior Sale	Jul 22, 2016 · Amount on Record
Deed Book / Page	56160 / 241
Transfer Doc	0000239866
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	29 SYLVAN RD, GARDNER, MA 01440-4116
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065513-376
Date	Jun 30, 2021
Book Page	65513/376
Instrument	91292

Lender

Name	I-C FCU
Type	Credit Union

Agreement

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

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	29 SYLVAN RD, GARDNER, MA 01440-4116
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	056790-282
Date	Feb 28, 2017
Book Page	56790/282
Instrument	20746

Lender

Name	RCAP SOLUTIONS FNCL

Agreement

Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	29 SYLVAN RD, GARDNER, MA 01440-4116
Document Number	58281-54
Instrument Date	Dec 29, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58281-54
Date	Jan 5, 2018
Book Page	058281/000054
Instrument	979

Lender

Name	I-C CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 4, 2033

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	$65.00 (-99.05%)	$455,400 (-0.02%) Land $77,400 Building $378,000	$484,405
2024	$6,828.00 (+6.62%)	$455,500 (+14.74%) Land $70,400 Building $385,100
2023	$6,404.00	$397,000 Land $69,400 Building $327,600

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 · 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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Gateway Fiber Holdings, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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