326 Matthews Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 326 Matthews Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,532 sqft · built 2006
Lot Size	1.49 acres (65,227 sqft)
Owner	Individual Name on Record
Last Sale	$616,000 (Mar 2026)
Tax Bill	$7,425 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R32 B:5 L:12`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R32 B:5 L:12`
Alternative APN	`M:W-32 B:0013 L:0012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,532 sqft Living Area
Gross Area	4,768 sqft
Basement Area	1,488 sqft
Unfinished Basement	1,488 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,227 sqft (1.49 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	326 MATTHEWS RD
City	GARDNER
State	MA
Zip	01440-1398
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	5
Legal Lot Number	12
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1010
Census Tract	707500

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	Individual Name on Record
Mailing Address	326 MATTHEWS RD, GARDNER, MA 01440-1398
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Quit Claim Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 18, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SHAMROCK HOME LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2026 · Amount on Record
Deed Sale	Mar 19, 2026 · Amount on Record
Prior Sale	Sep 18, 2023 · Amount on Record
Deed Book / Page	73335 / 124
Prior Transfer Date	Mar 12, 2026
Prior Transfer Doc	073335-124
Record Updated	Oct 29, 2026

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 19, 2026
Property Address	326 MATTHEWS RD, GARDNER, MA 01440-1398
Document Number	073335-124
Book / Page	73335 / 124
Instrument Date	Mar 12, 2026
Instrument	21027
Transaction Type	Transfer
Record Updated	Apr 8, 2026

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
Address	326 MATTHEWS RD, GARDNER, MA 01440-1398

Mortgage

Document Number	0000021028
Date	Mar 19, 2026
Instrument	21028

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 18, 2023
Property Address	326 MATTHEWS RD, GARDNER, MA 01440-1398
Document Number	069653-373
Book / Page	69653 / 373
Instrument Date	Sep 12, 2023
Instrument	77456
Transaction Type	Transfer
Record Updated	Oct 9, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 MATTHEWS RD, GARDNER, MA 01440-1398

Mortgage

Document Number	0000077457
Date	Sep 18, 2023
Instrument	77457

Lender

Name	SHAMROCK HOME LOANS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$7,425.00 (+10,819.12%)	$539,200 (+12.97%) Land $96,600 Building $442,600	$572,033 (+7.05%)
2025	$68.00 (-99.05%)	$477,300 (-0.42%) Land $87,600 Building $389,700	$534,375
2024	$7,185.00 (+5.26%)	$479,300 (+13.26%) Land $79,800 Building $399,500
2023	$6,826.00	$423,200 Land $78,500 Building $344,700

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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