35 Cedar St, Apt 5, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 35 Cedar St, Apt 5, Gardner, MA 01440

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 728 sqft · built 1920
Lot Size	0.308 acres (13,431 sqft)
Owner	Individual Name on Record
Last Sale	$114,000 (May 2022)
Tax Bill	$2,116 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:23 L:100 U:01-05`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:23 L:100 U:01-05`
Alternative APN	`M:R27 B:23 L:100 U:01-01`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Units	7 Units
Stories	1 Story
Building Area	728 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, 5
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	Individual Name on Record
Mailing Address	35 CEDAR ST, 5, GARDNER, MA 01440-2300
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2022	Condominium Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Dec 10, 2019	Deed of Trust, Mortgage · Line of Credit GFA FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2022 · Amount on Record
Deed Sale	May 4, 2022 · Amount on Record
Prior Sale	Aug 29, 2002 · Amount on Record
Prior Transfer Date	May 3, 2022
Prior Transfer Doc	0000120155
Record Updated	Oct 29, 2026

May 2022: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	GARDNER MA
Recording Date	May 4, 2022
Property Address	35 CEDAR ST APT 5, 5, GARDNER, MA 01440-2300
Document Number	0000120155
Instrument Date	May 3, 2022
Instrument	120155
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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 with Right of Survivorship
Address	35 CEDAR ST # UT5, UT5, GARDNER, MA 01440-2300

Mortgage

Document Number	0000120156
Date	May 4, 2022
Instrument	120156

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	35 CEDAR ST APT 5, 5, GARDNER, MA 01440-2300
Document Number	0000115303
Instrument Date	Dec 10, 2019
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 CEDAR ST #5 GARDNER MA 014402300, 5, GARDNER, MA 01440-2300

Mortgage

Document Number	0000115303
Date	Jan 8, 2020
Instrument	115303

Lender

Name	GFA FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 7, 2040

Interest

Rate Type	Adjustable Rate

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	$2,116.00 (+13,125%)	$153,700 (+32.96%) Building $153,700	$176,286 (+3.84%)
2025	$16.00 (-99.02%)	$115,600 (+5.76%) Building $115,600	$169,765
2024	$1,638.00 (+9.2%)	$109,300 (+17.53%) Building $109,300
2023	$1,500.00	$93,000 Building $93,000

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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