35 Jean St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 35 Jean St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,500 sqft · built 1900
Lot Size	0.2 acres (8,699 sqft)
Owner	Individual Name on Record
Last Sale	$262,000 (Sep 2021)
Tax Bill	$35 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M22 B:3 L:35`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M22 B:3 L:35`
Alternative APN	`M:M-24 B:0018 L:0035`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,500 sqft Living Area
Gross Area	3,072 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,699 sqft (0.2 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	35 JEAN ST
City	GARDNER
State	MA
Zip	01440-3746
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Subdivision	RONALD LEBLANC
Legal Block	3
Legal Lot Number	35
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2005
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, as of May 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 JEAN ST, GARDNER, MA 01440-3746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage MILLBURY NATIONAL BANK
Sep 3, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MILLBURY NATIONAL BANK
Apr 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ATHOL SAVINGS BANK
Dec 13, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GFA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2021 · Amount on Record
Deed Sale	Sep 3, 2021 · Amount on Record
Prior Sale	Dec 13, 2019 · Amount on Record
Deed Document Number	2021124830
Deed Book / Page	65994 / 75
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Apr 29, 2026
Property Address	35 JEAN ST, GARDNER, MA 01440-3746
Document Number	073501-322
Book / Page	73501 / 322
Instrument Date	Apr 24, 2026
Instrument	202632731
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 JEAN ST, GARDNER, MA 01440-3746

Mortgage

Document Number	0000032731,
Date	Apr 29, 2026
Book Page	73501/322
Instrument	202632731

Lender

Name	MILLBURY NATIONAL BANK

Agreement

Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.38%
Max Rate	-1%

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 3, 2021
Property Address	35 JEAN ST, GARDNER, MA 01440-3746
Document Number	65994-75
Book / Page	65994 / 75
Instrument Date	Sep 3, 2021
Instrument	124830
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 JEAN ST, GARDNER, MA 01440-3746

Mortgage

Document Number	124831
Date	Sep 3, 2021
Instrument	124831

Lender

Name	MILLBURY NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0065994-99
Date	Sep 3, 2021
Book Page	65994/99
Instrument	124832

Lender

Name	MILLBURY NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	35 JEAN ST, GARDNER, MA 01440-3746
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60327-261
Date	Apr 29, 2019
Book Page	60327/261
Instrument	37241

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	May 1, 2024

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 13, 2019
Property Address	35 JEAN ST, GARDNER, MA 01440-3746
Document Number	61585-91
Book / Page	61585 / 91
Instrument Date	Dec 13, 2019
Instrument	135379
Transaction Type	Transfer
Record Updated	May 12, 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 JEAN ST, GARDNER, MA 01440-3746

Mortgage

Document Number	135380
Date	Dec 13, 2019
Instrument	135380

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2025	$35.00 (-99.07%)	$249,300 (-0.2%) Land $67,700 Building $181,600
2024	$3,745.00 (+7.93%)	$249,800 (+16.13%) Land $61,600 Building $188,200
2023	$3,470.00	$215,100 Land $60,700 Building $154,400

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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.

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 519 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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