340 Matthews Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 340 Matthews Rd, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,590 sqft · built 2000
Lot Size	6.99 acres (304,807 sqft)
Owner	Individual Name on File
Last Sale	$485,000 (Oct 2023)
Tax Bill	$7,069 (2025)
Deeds & Mortgages	Oct 2024 Refinance Dec 2024 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R32 B:5 L:1B`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R32 B:5 L:1B`
Alternative APN	`M:W-32 B:0002B L:0001B`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,590 sqft Living Area
Gross Area	10,224 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	304,807 sqft (6.99 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	340 MATTHEWS RD
City	GARDNER
State	MA
Zip	01440-1398
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	LAND SURVEYED ROBERT T & LINDA
Legal Block	5
Legal Lot Number	1B
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 · APN GARD M:R32 B:5 L:1B

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	340 MATTHEWS RD, GARDNER, MA 01440-1398
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Dec 20, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO
Oct 24, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 24, 2023 · Amount on Record
Deed Sale	Oct 24, 2023 · Amount on Record
Prior Sale	Jun 16, 2016 · Amount on Record
Deed Book / Page	69795 / 292
Record Updated	Jun 08, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	340 MATTHEWS RD, GARDNER, MA 01440-1398
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071155-145
Date	Oct 15, 2024
Book Page	71155/145
Instrument	84431

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2054

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	340 MATTHEWS RD, GARDNER, MA 01440-1398
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071445-310
Date	Dec 20, 2024
Book Page	71445/310
Instrument	106346

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jan 01, 2050

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 24, 2023
Property Address	340 MATTHEWS RD, GARDNER, MA 01440-1398
Document Number	069795-292
Book / Page	69795 / 292
Instrument Date	Oct 24, 2023
Instrument	88620
Transaction Type	Transfer
Record Updated	Jan 24, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 MATTHEWS RD, GARDNER, MA 01440-1398

Mortgage

Document Number	0000088621
Date	Oct 24, 2023
Instrument	88621

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$7,069.00 (-29.86%)	$492,300 (-26.77%) Land $108,400 Building $383,900	$525,730
2024	$10,078.00 (+4.85%)	$672,300 (+12.82%) Land $100,600 Building $571,700
2023	$9,612.00	$595,900 Land $99,400 Building $496,500

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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 23 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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