30 Tracey St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 30 Tracey St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,210 sqft · built 1950
Lot Size	0.285 acres (12,430 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Apr 2023)
Tax Bill	$4,041 (2026)
Deeds & Mortgages	Jul 2025 Mortgage May 2023 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-17 B:0003 L:0031`

Property Details

APN / Parcel Number

Primary APN	`M:R-17 B:0003 L:0031`
Alternative APN	`GARD M:R17 B:13 L:31`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,210 sqft Living Area
Gross Area	2,424 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,430 sqft (0.285 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	30 TRACEY ST
City	GARDNER
State	MA
Zip	01440-4119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	13
Legal Lot Number	31
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2037
Census Tract	707100

Owner

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	2 Individual Names on Record
Mailing Address	30 TRACEY ST, GARDNER, MA 01440-4119
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2025	Deed of Trust, Mortgage LEOMINSTER EMPLOYEES FCU
May 31, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance LEOMINSTER EMPLOYEES FCU
Jan 5, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LEOMINSTER EMPLOYEES FCU
Dec 31, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LEOMINSTER EMPLOYEES FCU
Apr 28, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEOMINSTER EMPLOYEES FCU
Jun 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEOMINSTER EMPLOYEES FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2023 · Amount on Record
Deed Sale	Apr 28, 2023 · Amount on Record
Prior Sale	Nov 19, 2013 · Amount on Record
Deed Book / Page	69072 / 238
Prior Transfer Date	Apr 27, 2023
Prior Transfer Doc	069072-238
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	30 TRACEY ST, GARDNER, MA 01440-4119
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072276-258
Date	Jul 18, 2025
Book Page	72276/258
Instrument	59502

Lender

Name	LEOMINSTER EMPLOYEES FCU

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2040

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	30 TRACEY ST, GARDNER, MA 01440-4119
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069192-257
Date	May 31, 2023
Book Page	69192/257
Instrument	41701

Lender

Name	LEOMINSTER EMPLOYEES FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2038

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	30 TRACEY ST, GARDNER, MA 01440-4119
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070069-169
Date	Jan 5, 2024
Book Page	70069/169
Instrument	1186

Lender

Name	LEOMINSTER EMPLOYEES FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2039

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	30 TRACEY ST, GARDNER, MA 01440-4119
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071487-96
Date	Dec 31, 2024
Book Page	71487/96
Instrument	109466

Lender

Name	LEOMINSTER EMPLOYEES FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2040

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 28, 2023
Property Address	30 TRACEY ST, GARDNER, MA 01440-4119
Document Number	069072-238
Book / Page	69072 / 238
Instrument Date	Apr 27, 2023
Instrument	32484
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	400 CHESTNUT ST, GARDNER, MA 01440-3030

Mortgage

Document Number	0000032485
Date	Apr 28, 2023
Instrument	32485

Lender

Name	LEOMINSTER EMPLOYEES FCU

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	30 TRACEY ST, GARDNER, MA 01440-4119
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62607-333
Date	Jun 17, 2020
Book Page	62607/333
Instrument	63315

Lender

Name	LEOMINSTER EMPLOYEES FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

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
2026	$4,041.00 (-0.02%)	$293,500 (+4.26%) Land $77,000 Building $216,500	$331,619 (+53.98%)
2025	$4,042.00 (+0.02%)	$281,500 (+4.41%) Land $70,000 Building $211,500	$215,365
2024	$4,041.00 (+8.37%)	$269,600 (+16.61%) Land $63,700 Building $205,900
2023	$3,729.00	$231,200 Land $62,800 Building $168,400

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	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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