307 Coleman St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 307 Coleman St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,439 sqft · built 1900
Lot Size	0.682 acres (29,700 sqft)
Owner	Individual Name on File
Tax Bill	$3,893 (2026)
Deeds & Mortgages	Jul 2026 Second Mortgage Sep 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:H-22 B:0023 L:0025`

Property Details

APN / Parcel Number

Primary APN	`M:H-22 B:0023 L:0025`
Alternative APN	`GARD M:H22 B:10 L:25`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,439 sqft Living Area
Gross Area	2,022 sqft
Basement Area	300 sqft
Unfinished Basement	300 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,700 sqft (0.682 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	307 COLEMAN ST
City	GARDNER
State	MA
Zip	01440-3751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	10
Legal Lot Number	25
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2021
Census Tract	707300

Owner

307 Coleman St is owned and occupied by an individual who acquired it in June 2009.

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

Owner of Record	Individual Name on File
Mailing Address	307 COLEMAN ST, GARDNER, MA 01440-3751
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
Jul 29, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Sep 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2009
Deed Sale	Jun 26, 2009
Prior Sale	Feb 1, 2007 · Amount on File
Deed Document Number	200973815
Deed Book / Page	44487 / 169
Transfer Doc	47303-368
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Jul 29, 2026
Property Address	307 COLEMAN ST, GARDNER, MA 01440-3751
Document Number	0000064782
Book / Page	73952 / 354
Instrument Date	Jul 24, 2026
Instrument	202664782
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 COLEMAN ST, GARDNER, MA 01440-3751

Mortgage

Document Number	0000064782,
Date	Jul 29, 2026
Book Page	73952/354
Instrument	202664782

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	307 COLEMAN ST, GARDNER, MA 01440-3751
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66003-59
Date	Sep 7, 2021
Book Page	66003/59
Instrument	125351

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 307 Coleman St was $3,893, up 9,882.1% 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	$3,893.00 (+9,882.05%)	$282,700 (+4.05%) Land $66,200 Building $216,500	$321,754 (+23.88%)
2025	$39.00 (-99%)	$271,700 (+4.34%) Land $60,200 Building $211,500	$259,730
2024	$3,903.00 (+9.3%)	$260,400 (+17.62%) Land $54,800 Building $205,600
2023	$3,571.00	$221,400 Land $53,900 Building $167,500

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

Flood

FEMA maps place 307 Coleman St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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 307 Coleman St is low, with less than 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Gateway Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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