338 Leo Dr, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 338 Leo Dr, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,772 sqft · built 1989
Lot Size	0.287 acres (12,500 sqft)
Owner	Individual Name on Record
Last Sale	$355,000 (Apr 2021)
Tax Bill	$56 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`GARD M:H37 B:4 L:3`

Property Details

APN / Parcel Number

Primary APN	`GARD M:H37 B:4 L:3`
Alternative APN	`M:I-39 B:0099 L:0003`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,772 sqft Living Area
Gross Area	3,906 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,500 sqft (0.287 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	338 LEO DR
City	GARDNER
State	MA
Zip	01440-1266
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	DEERBERRY RDG
Legal Block	4
Legal Lot Number	3
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1010
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, as of April 14, 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	338 LEO DR, GARDNER, MA 01440-1266
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES
Feb 26, 2018	Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2021 · Amount on Record
Deed Sale	Apr 22, 2021 · Amount on Record
Prior Sale	Nov 17, 2000 · Amount on Record
Deed Document Number	202155349
Deed Book / Page	64994 / 355
Transfer Doc	48064-330
Record Updated	Jun 8, 2026

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 22, 2021
Property Address	338 LEO DR, GARDNER, MA 01440-1266
Document Number	64994-355
Book / Page	64994 / 355
Instrument Date	Apr 22, 2021
Instrument	55349
Transaction Type	Transfer
Record Updated	May 12, 2021

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	338 LEO DR, GARDNER, MA 01440-1266

Mortgage

Document Number	55350
Date	Apr 22, 2021
Instrument	55350

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	338 LEO DR, GARDNER, MA 01440-1266
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58474-49
Date	Feb 26, 2018
Book Page	58474/49
Instrument	18142

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2038

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
2025	$56.00 (-99.03%)	$393,000 (+1.73%) Land $77,000 Building $316,000	$453,340
2024	$5,791.00 (+6.67%)	$386,300 (+14.77%) Land $70,100 Building $316,200
2023	$5,429.00	$336,600 Land $69,100 Building $267,500

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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 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.

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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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