Worcester County and Gardner City property record for 3 Coleman St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,924 sqft · built 1920 |
| Lot Size | 0.189 acres (8,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Sep 2021) |
| Tax Bill | $5,398 (2026) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:L-25 B:0044 L:0055 |
| Primary APN | M:L-25 B:0044 L:0055 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,924 sqft Living Area |
| Gross Area | 3,055 sqft |
| Basement Area | 962 sqft |
| Unfinished Basement | 962 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Duplex Single |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,250 sqft (0.189 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 3 COLEMAN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3709 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Block | 22 |
| Legal Lot Number | 55 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 707400 |
3 Coleman St, a duplex, is owned and occupied by an individual who bought it in September 2021.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 COLEMAN ST, GARDNER, MA 01440-3709 |
| 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.
| Date | Document |
|---|---|
| Sep 1, 2021 | Quit Claim Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB |
| Jul 12, 2018 | Quit Claim Deed, Transfer · FHA Mortgage VILLAGE MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2021 · Amount on File |
| Deed Sale | Sep 1, 2021 · Amount on File |
| Prior Sale | Jul 12, 2018 · Amount on File |
| Deed Book / Page | 65973 / 136 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Sep 1, 2021 |
| Property Address | 3 COLEMAN ST, GARDNER, MA 01440-3709 |
| Document Number | 65973-136 |
| Book / Page | 65973 / 136 |
| Instrument Date | Sep 1, 2021 |
| Instrument | 123399 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 COLEMAN ST, GARDNER, MA 01440-3709 |
| Document Number | 123400 |
|---|---|
| Date | Sep 1, 2021 |
| Instrument | 123400 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 12, 2018 |
| Property Address | 3 COLEMAN ST, GARDNER, MA 01440-3709 |
| Document Number | 59088-305 |
| Book / Page | 59088 / 305 |
| Instrument | 70571 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25.78 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 COLEMAN ST, GARDNER, MA 01440-3709 |
| Document Number | 590880308 |
|---|---|
| Date | Jul 12, 2018 |
| Instrument | 59088/0308 |
| Name | VILLAGE MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 12, 2048 |
The 2026 property tax bill for 3 Coleman St was $5,398, up 11,634.8% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,398.00 (+11,634.78%) | $392,000 (+22.08%) Land $74,300 Building $317,700 | $381,409 |
| 2025 | $46.00 (-99.02%) | $321,100 (+2.46%) Land $67,500 Building $253,600 | |
| 2024 | $4,698.00 (+5.45%) | $313,400 (+13.47%) Land $61,400 Building $252,000 | |
| 2023 | $4,455.00 | $276,200 Land $60,500 Building $215,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Coleman 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 risk around 3 Coleman 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 380 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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