332 Matthews Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 332 Matthews Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,908 sqft · built 2006
Lot Size	1.58 acres (69,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Apr 2007)
Tax Bill	$6,661 (2026)
Deeds & Mortgages	Mar 2020 Line of Credit May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R32 B:5 L:13`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R32 B:5 L:13`
Alternative APN	`M:W-32 B:0014 L:0013`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,908 sqft Living Area
Gross Area	3,568 sqft
Basement Area	936 sqft
Unfinished Basement	936 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	69,148 sqft (1.58 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	332 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	13
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	2 Individual Names on Record
Mailing Address	332 MATTHEWS RD, GARDNER, MA 01440-1398
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI
May 18, 2018	Quit Claim Deed, Transfer RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2007 · Amount on Record
Deed Sale	Apr 3, 2007 · Amount on Record
Deed Document Number	200743326
Deed Book / Page	40928 / 374
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	332 MATTHEWS RD, GARDNER, MA 01440-1398
Document Number	62159-331
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 MATTHEWS RD GARDNER MA 014401398, GARDNER, MA 01440-1398

Mortgage

Document Number	62159-331
Date	Apr 6, 2020
Book Page	062159/000331
Instrument	34535

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 5, 2045

Interest

Rate Type	Adjustable Rate

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 18, 2018
Property Address	332 MATTHEWS RD, GARDNER, MA 01440-1398
Document Number	58815-60
Book / Page	58815 / 60
Instrument	47510
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$49.09
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 MATTHEWS RD, GARDNER, MA 01440-1398

Mortgage

Document Number	58815-63
Date	May 18, 2018
Book Page	58815/63
Instrument	47511

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

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	$6,661.00 (+10,819.67%)	$483,700 (+12.91%) Land $97,100 Building $386,600	$488,032 (+32.57%)
2025	$61.00 (-99.04%)	$428,400 (+1.13%) Land $88,100 Building $340,300	$368,125
2024	$6,350.00 (+5.55%)	$423,600 (+13.57%) Land $80,300 Building $343,300
2023	$6,016.00	$373,000 Land $78,800 Building $294,200

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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