Worcester County and Gardner City property record for 32 Cedar St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1900 |
| Square Footage | 1,890 sqft Living Area |
| Lot Size | 12,500 sqft (0.287 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $212,000 (2017) |
| Tax Bill | $51.00 (2025) |
| Primary APN | M:R-25 B:0006 L:0020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,890 sqft Living Area |
| Gross Area | 3,768 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Slate Roof |
| Lot Area | 12,500 sqft (0.287 acres) |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Street Address | 32 CEDAR ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2318 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 23 |
| Legal Lot Number | 56 |
| Jurisdiction | GARDNER MA |
| Minor Civil Division | GARDNER |
| Census Blockgroup | 3 |
| Census Block | 3004 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City records · APN M:R-25 B:0006 L:0020
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 32 CEDAR ST, GARDNER, MA 01440-2318 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 16, 2021 | Deed of Trust, Mortgage · Stand Alone Refinance QUICKEN LOANS INC |
| Mar 03, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 03, 2017 · Amount on Record |
| Deed Sale | Mar 03, 2017 · Amount on Record |
| Prior Sale | Apr 26, 2001 · Amount on Record |
| Deed Book / Page | 56812 / 159 |
| Transfer Doc | 1486000187 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 32 CEDAR ST, GARDNER, MA 01440-2318 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 064463-377 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | 64463/377 |
| Instrument | 21541 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Mar 03, 2017 |
| Property Address | 32 CEDAR ST, GARDNER, MA 01440-2318 |
| Document Number | 56812-159 |
| Book / Page | 056812 / 000159 |
| Instrument Date | Mar 03, 2017 |
| Instrument | 22666 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $966.72 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 17 3 JAYS RD ASHBURNHAM MA 014303018, ASHBURNHAM, MA 01430-3018 |
| Document Number | 56812-162 |
|---|---|
| Date | Mar 03, 2017 |
| Book Page | 056812/000162 |
| Instrument | 22667 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 02, 2047 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $51.00 (-99.01%) | $356,800 (+4.05%) Land $70,000 Building $286,800 | $401,185 |
| 2024 | $5,140.00 (+2.66%) | $342,900 (+10.47%) Land $63,700 Building $279,200 | |
| 2023 | $5,007.00 | $310,400 Land $62,800 Building $247,600 |
32 Cedar St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Worcester County (25027C), updated November 30, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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