29 Tracey St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,398 sqft · built 1920
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$282,000 (Aug 2021)
Tax Bill	$4,857 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jun 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:8 L:17`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:8 L:17`
Alternative APN	`M:R-18 B:0003 L:0017`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,398 sqft Living Area
Gross Area	3,308 sqft
Basement Area	774 sqft
Unfinished Basement	774 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	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	29 TRACEY ST
City	GARDNER
State	MA
Zip	01440-4118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	LAND LEROY B MORRIS ET UX GARD
Legal Block	8
Legal Lot Number	17
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2012
Census Tract	707100

Owner

29 Tracey St is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	29 TRACEY ST, GARDNER, MA 01440-4118
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
Aug 20, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Jun 23, 2017	Quit Claim Deed, Transfer Quitclaim
May 11, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2021 · Amount on File
Deed Sale	Aug 20, 2021 · Amount on File
Prior Sale	Jul 26, 2018 · Amount on File
Deed Book / Page	65881 / 69
Record Updated	Oct 29, 2026

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 20, 2021
Property Address	29 TRACEY ST, GARDNER, MA 01440-4118
Document Number	0065881-69
Book / Page	65881 / 69
Instrument Date	Aug 20, 2021
Instrument	117248
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount 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	Tenants in Common
Address	29 TRACEY ST, GARDNER, MA 01440-4118

Mortgage

Document Number	0000117249
Date	Aug 20, 2021
Instrument	117249

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	0065881-87
Date	Aug 20, 2021
Book Page	65881/87
Instrument	117250

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 23, 2017
Property Address	29 TRACEY ST, GARDNER, MA 01440-4118
Document Number	57305-299
Book / Page	057305 / 000299
Instrument Date	Jun 14, 2017
Instrument	65273
Transaction Type	Transfer
Record Updated	Jul 11, 2017

Transaction

Amount	Amount on Record
Tax	$561.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 251 EAST TEMPLETON MA 014380251, EAST TEMPLETON, MA 01438-0251

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 11, 2017
Property Address	29 TRACEY ST, GARDNER, MA 01440-4118
Document Number	57101-170
Book / Page	057101 / 000170
Instrument Date	May 5, 2017
Instrument	47665
Transaction Type	Transfer
Record Updated	May 30, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2715 W GREEN BRIER DR PRESCOTT AZ 863057781, PRESCOTT, AZ 86305-7781

Tax Assessment & Valuation

The 2026 property tax bill for 29 Tracey St was $4,857, up 10,458.7% 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	$4,857.00 (+10,458.7%)	$352,700 (+8.12%) Land $76,900 Building $275,800	$356,384 (+2.41%)
2025	$46.00 (-98.98%)	$326,200 (+7.94%) Land $69,800 Building $256,400	$347,985
2024	$4,530.00 (+2.58%)	$302,200 (+10.37%) Land $63,500 Building $238,700
2023	$4,416.00	$273,800 Land $62,600 Building $211,200

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

Flood

FEMA maps place 29 Tracey St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 29 Tracey 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.

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 Fixed Wireless	100 / 20

May also be available: Gateway Fiber, Verizon.

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