Worcester County and Gardner City property record for 340 Saunders St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,366 sqft · built 1930 |
| Lot Size | 2.33 acres (101,818 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $232,000 (May 2020) |
| Tax Bill | $4,709 (2026) |
| Deeds & Mortgages | May 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:W22 B:20 L:3 |
| Primary APN | GARD M:W22 B:20 L:3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,366 sqft Living Area |
| Gross Area | 2,312 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 101,818 sqft (2.33 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 340 SAUNDERS ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 20 |
| Legal Lot Number | 3 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 707500 |
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 | 340 SAUNDERS ST, GARDNER, MA 01440-2432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2020 · Amount on Record |
| Deed Sale | May 28, 2020 · Amount on Record |
| Prior Sale | Mar 27, 2006 · Amount on Record |
| Deed Document Number | 202054745 |
| Deed Book / Page | 62483 / 171 |
| Prior Transfer Date | May 14, 2020 |
| Prior Transfer Doc | 62483-171 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | May 28, 2020 |
| Property Address | 340 SAUNDERS ST, GARDNER, MA 01440-2432 |
| Document Number | 62483-171 |
| Book / Page | 62483 / 171 |
| Instrument Date | May 14, 2020 |
| Instrument | 54745 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 340 SAUNDERS ST, GARDNER, MA 01440-2432 |
| Document Number | 54746 |
|---|---|
| Date | May 28, 2020 |
| Instrument | 54746 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,709.00 (+10,136.96%) | $342,000 (+4.62%) Land $110,400 Building $231,600 | $381,727 (+15.46%) |
| 2025 | $46.00 (-99.02%) | $326,900 (+4.67%) Land $100,500 Building $226,400 | $330,600 |
| 2024 | $4,681.00 (+7.17%) | $312,300 (+15.32%) Land $91,900 Building $220,400 | |
| 2023 | $4,368.00 | $270,800 Land $89,600 Building $181,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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