35 Cedar St, Apt 2, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 35 Cedar St, Apt 2, Gardner, MA 01440

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,027 sqft · built 1920
Lot Size	0.308 acres (13,431 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Jun 2026)
Tax Bill	$2,695 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:23 L:100 U:01-02`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:23 L:100 U:01-02`
Alternative APN	`M:R27 B:23 L:100 U:01-01`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Units	7 Units
Stories	2 Stories
Building Area	1,027 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	13,431 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	35 CEDAR ST, 2
City	GARDNER
State	MA
Zip	01440-2300
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R1
Legal Subdivision	PARSONAGE CONDO
Legal Block	23
Legal Lot Number	100
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3005
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	Individual Name on Record
Mailing Address	35 CEDAR ST, 2, GARDNER, MA 01440-2300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Quit Claim Deed, Transfer · Conventional Mortgage COASTAL MORTGAGE SERVICES INC
Aug 25, 2017	Deed of Trust, Mortgage · FHA Mortgage SERVICE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2026 · Amount on Record
Deed Sale	Jun 10, 2026 · Amount on Record
Prior Sale	Apr 18, 2014 · Amount on Record
Deed Document Number	2026126041
Transfer Doc	0000005-18
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 10, 2026
Property Address	35 CEDAR ST, 2, GARDNER, MA 01440-2300
Document Number	0000126041
Instrument Date	May 29, 2026
Instrument	2026126041
Transaction Type	Transfer
Record Updated	Jul 1, 2026

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
Relationship	Joint Tenants
Address	35 CEDAR ST, 2, GARDNER, MA 01440-2300

Mortgage

Date	Jun 10, 2026

Lender

Name	COASTAL MORTGAGE SERVICES INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	35 CEDAR ST APT 2, 2, GARDNER, MA 01440-2300
Document Number	0000111141
Instrument Date	Aug 25, 2017
Transaction Type	Mortgage
Record Updated	May 5, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000111141
Date	Aug 30, 2017
Instrument	111141

Lender

Name	SERVICE CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2047

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	$2,695.00 (+12,733.33%)	$195,700 (+33.04%) Building $195,700	$204,973 (+25.44%)
2025	$21.00 (-98.99%)	$147,100 (+5.6%) Building $147,100	$163,400
2024	$2,088.00 (+9.26%)	$139,300 (+17.55%) Building $139,300
2023	$1,911.00	$118,500 Building $118,500

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	2 in force

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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Gateway Fiber Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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