Worcester County and Gardner City property record for 3 Ford St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,154 sqft · built 1951 |
| Lot Size | 0.211 acres (9,202 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $133,900 (Sep 2015) |
| Tax Bill | $4,314 (2026) |
| Deeds & Mortgages | Apr 2024 Refinance May 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:O-21 B:0010 L:0017 |
| Primary APN | M:O-21 B:0010 L:0017 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,154 sqft Living Area |
| Gross Area | 3,751 sqft |
| Basement Area | 1,232 sqft |
| Unfinished Basement | 1,232 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,202 sqft (0.211 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 3 FORD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2922 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Block | 19 |
| Legal Lot Number | 33 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 707300 |
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 | 3 FORD ST, GARDNER, MA 01440-2922 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 23, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU |
| May 6, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU |
| Aug 3, 2018 | Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2015 · Amount on Record |
| Deed Sale | Sep 29, 2015 · Amount on Record |
| Deed Document Number | 2015101772 |
| Deed Book / Page | 54362 / 6 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 3 FORD ST, GARDNER, MA 01440-2922 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2024 |
| Name | Verified Name |
|---|
| Document Number | 070422-194 |
|---|---|
| Date | Apr 23, 2024 |
| Book Page | 70422/194 |
| Instrument | 29187 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 3 FORD ST, GARDNER, MA 01440-2922 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 65107-346 |
|---|---|
| Date | May 6, 2021 |
| Book Page | 65107/346 |
| Instrument | 62839 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jun 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 3 FORD ST, GARDNER, MA 01440-2922 |
| Document Number | 59261-271 |
| Instrument Date | Aug 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3 FORD ST GARDNER MA 014402922, GARDNER, MA 01440-2922 |
| Document Number | 59261-271 |
|---|---|
| Date | Aug 15, 2018 |
| Book Page | 059261/000271 |
| Instrument | 85372 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 14, 2028 |
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 | $4,314.00 (+11,252.63%) | $313,300 (+17.43%) Land $56,200 Building $257,100 | $369,592 |
| 2025 | $38.00 (-99%) | $266,800 (+5.45%) Land $51,000 Building $215,800 | |
| 2024 | $3,792.00 (+0.56%) | $253,000 (+8.21%) Land $46,400 Building $206,600 | |
| 2023 | $3,771.00 | $233,800 Land $45,700 Building $188,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 446 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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