295 Leo Dr, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 295 Leo Dr, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,020 sqft · built 1995
Lot Size	0.309 acres (13,472 sqft)
Owner	Individual Name on Record
Last Sale	$96,900 (Aug 1995)
Tax Bill	$57 (2025)
Deeds & Mortgages	Apr 2022 Refinance Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:H37 B:9 L:11`

Property Details

APN / Parcel Number

Primary APN	`GARD M:H37 B:9 L:11`
Alternative APN	`M:I-39 B:0077 L:0011`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,020 sqft Living Area
Gross Area	3,584 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,472 sqft (0.309 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	295 LEO DR
City	GARDNER
State	MA
Zip	01440-1245
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	9
Legal Lot Number	11
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1013
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, 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	Individual Name on Record
Mailing Address	295 LEO DR, GARDNER, MA 01440-1245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Jan 10, 2019	Quit Claim Deed, Transfer · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 1995 · Amount on Record
Deed Sale	Aug 4, 1995 · Amount on Record
Deed Book / Page	17224 / 44
Last Transfer Date	Dec 21, 2018
Transfer Doc	59920-335
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	295 LEO DR, GARDNER, MA 01440-1245
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067396-237
Date	Apr 7, 2022
Book Page	67396/237
Instrument	38366

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	97 Months
Due	May 1, 2030

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 10, 2019
Property Address	295 LEO DR, GARDNER, MA 01440-1245
Document Number	59920-335
Book / Page	059920 / 000335
Instrument Date	Dec 21, 2018
Instrument	2470
Transaction Type	Transfer
Record Updated	Jan 30, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 LEO DR GARDNER MA 014401245, GARDNER, MA 01440-1245

Mortgage

Document Number	59920-341
Date	Jan 10, 2019
Book Page	059920/000341
Instrument	2471

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 9, 2029

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	$57.00 (-99.07%)	$401,000 (-1.57%) Land $77,700 Building $323,300	$404,700
2024	$6,107.00 (+6.26%)	$407,400 (+14.34%) Land $70,700 Building $336,700
2023	$5,747.00	$356,300 Land $69,700 Building $286,600

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	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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