34 Mill St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 34 Mill St, Gardner, MA 01440 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1875
Square Footage	1,287 sqft Living Area
Lot Size	5,806 sqft (0.133 acres)
Occupancy	Owner Occupied
Last Sale	$114,000 (2016)
Tax Bill	$38.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:23 L:9`
Alternative APN	`M:R-15 B:0004 L:0008`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Total Rooms	5 Rooms
Building Area	1,287 sqft Living Area
Gross Area	2,300 sqft Gross Area
Stories	2 Stories

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Architectural Style	Conventional Style
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	5,806 sqft (0.133 acres)

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	34 MILL ST
City	GARDNER
State	MA
Zip	01440-3223
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	23
Legal Lot Number	9
Jurisdiction	GARDNER MA
Minor Civil Division	GARDNER
Census Blockgroup	1
Census Block	1002
Census Tract	707100

Owner

Source: Worcester County and Gardner City records · APN GARD M:R17 B:23 L:9

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	34 MILL ST, GARDNER, MA 01440-3223
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 28, 2016 · Amount on Record
Deed Sale	Nov 28, 2016 · Amount on Record
Prior Sale	May 08, 1992 · Amount on Record
Deed Book / Page	56369 / 4
Record Refreshed	Jun 08, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	34 MILL ST, GARDNER, MA 01440-3223
Transaction Type	Mortgage
Record Updated	Apr 03, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067357-20
Date	Mar 31, 2022
Book Page	67357/20
Instrument	35462

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Apr 01, 2046

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

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	$38.00 (-98.89%)	$264,600 (+15.85%) Land $66,100 Building $198,500	$371,260
2024	$3,424.00 (+3.13%)	$228,400 (+10.98%) Land $60,100 Building $168,300
2023	$3,320.00	$205,800 Land $59,200 Building $146,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.