31 Ashley Dr, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 31 Ashley Dr, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,033 sqft · built 1991
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on Record
Last Sale	$388,000 (Mar 2023)
Tax Bill	$5,121 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W22 B:2 L:51`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W22 B:2 L:51`
Alternative APN	`M:W-22 B:0049 L:0051`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,033 sqft Living Area
Gross Area	2,365 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,094 sqft (1.15 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	31 ASHLEY DR
City	GARDNER
State	MA
Zip	01440-4223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	NICHOLS PARK
Legal Block	2
Legal Lot Number	51
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3000
Census Tract	707500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	31 ASHLEY DR, GARDNER, MA 01440-4223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Jan 25, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FTF LENDING LLC
Sep 2, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2023 · Amount on Record
Deed Sale	Mar 3, 2023 · Amount on Record
Prior Sale	Jan 25, 2022 · Amount on Record
Deed Book / Page	68884 / 238
Record Updated	Oct 29, 2026

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 3, 2023
Property Address	31 ASHLEY DR, GARDNER, MA 01440-4223
Document Number	068884-238
Book / Page	68884 / 238
Instrument Date	Mar 3, 2023
Instrument	17597
Transaction Type	Transfer
Record Updated	Mar 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	31 ASHLEY DR, GARDNER, MA 01440-4223

Mortgage

Document Number	0000017598
Date	Mar 3, 2023
Instrument	17598

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	068884-260
Date	Mar 3, 2023
Book Page	68884/260
Instrument	17599

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2038

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 25, 2022
Property Address	31 ASHLEY DR, GARDNER, MA 01440-4223
Document Number	0067005-34
Book / Page	67005 / 34
Instrument Date	Jan 25, 2022
Instrument	9734
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 ASHLEY DR, GARDNER, MA 01440-4223

Mortgage

Document Number	0000009735
Date	Jan 25, 2022
Instrument	9735

Lender

Name	FTF LENDING LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	31 ASHLEY DR, GARDNER, MA 01440-4223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63170-84
Date	Sep 2, 2020
Book Page	63170/84
Instrument	100367

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 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	$5,121.00 (+10,351.02%)	$371,900 (+7.11%) Land $92,600 Building $279,300	$397,585 (+5.9%)
2025	$49.00 (-98.98%)	$347,200 (+8.84%) Land $84,200 Building $263,000	$375,440
2024	$4,782.00 (+2.79%)	$319,000 (+10.61%) Land $76,700 Building $242,300
2023	$4,652.00	$288,400 Land $75,700 Building $212,700

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 94% of the US · lower than 86% 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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