35 Cedar St, Apt 4, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 35 Cedar St, Apt 4, Gardner, MA 01440

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 824 sqft · built 1920
Lot Size	0.308 acres (13,431 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Oct 2025)
Tax Bill	$2,457 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:23 L:100 U:01-04`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:23 L:100 U:01-04`
Alternative APN	`M:R27 B:23 L:100 U:01-01`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	824 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	Gas

Location & Zoning

Street Address	35 CEDAR ST, 4
City	GARDNER
State	MA
Zip	01440-2300
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R1
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	2 Individual Names on Record
Mailing Address	35 CEDAR ST, 4, GARDNER, MA 01440-2300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage COASTAL MORTGAGE SERVICES INC
Oct 17, 2025	Condominium Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 2, 2021	Condominium Deed, Transfer · Stand-Alone First Mortgage LEOMINSTER CU
Oct 11, 2019	Condominium Deed, Transfer · Conventional with PMI HARBORONE MTG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2025 · Amount on Record
Deed Sale	Oct 17, 2025 · Amount on Record
Prior Sale	Jul 2, 2024 · Amount on Record
Deed Document Number	2025125169
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Jun 10, 2026
Property Address	35 CEDAR ST, 4, GARDNER, MA 01440-2300
Document Number	0000126043
Instrument Date	Jun 10, 2026
Instrument	2026126043
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 CEDAR ST, 4, GARDNER, MA 01440-2300

Mortgage

Document Number	0000126043,
Date	Jun 10, 2026
Instrument	2026126043

Lender

Name	COASTAL MORTGAGE SERVICES INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

October 2025: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 17, 2025
Property Address	35 CEDAR ST APT 4, 4, GARDNER, MA 01440-2300
Document Number	0000125169
Instrument Date	Oct 17, 2025
Instrument	125169
Transaction Type	Transfer
Record Updated	Apr 3, 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 APT 4, 4, GARDNER, MA 01440-2300

Mortgage

Document Number	0000125170
Date	Oct 17, 2025
Instrument	125170

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2021: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 2, 2021
Property Address	35 CEDAR ST APT 4, 4, GARDNER, MA 01440-2300
Document Number	118697
Instrument Date	Sep 2, 2021
Instrument	118697
Transaction Type	Transfer
Record Updated	Sep 17, 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	35 CEDAR ST APT 4, 4, GARDNER, MA 01440-2300

Mortgage

Document Number	118698
Date	Sep 2, 2021
Instrument	118698

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2019: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 11, 2019
Property Address	35 CEDAR ST APT 4, 4, GARDNER, MA 01440-2300
Document Number	0000114902
Instrument Date	Oct 11, 2019
Instrument	114902
Transaction Type	Transfer
Record Updated	Oct 29, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$342.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 CEDAT ST #UT4 GARDNER MA 01440, GARDNER, MA 01440

Mortgage

Document Number	114903
Date	Oct 11, 2019
Instrument	114903

Lender

Name	HARBORONE MTG LLC

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2049

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	$2,457.00 (+27.57%)	$178,400 (+33.04%) Building $178,400	$209,247 (+9.36%)
2025	$1,926.00 (+1.26%)	$134,100 (+5.67%) Building $134,100	$191,330
2024	$1,902.00 (+9.18%)	$126,900 (+17.5%) Building $126,900
2023	$1,742.00	$108,000 Building $108,000

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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