36 Kendall St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 36 Kendall St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,850 sqft · built 1915
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$329,900 (Nov 2023)
Tax Bill	$4,824 (2026)
Deeds & Mortgages	Oct 2021 Refinance Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:18 L:3`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:18 L:3`
Alternative APN	`M:R-17 B:0003 L:0003`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,850 sqft Living Area
Gross Area	4,243 sqft
Basement Area	1,168 sqft
Unfinished Basement	1,168 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	36 KENDALL ST
City	GARDNER
State	MA
Zip	01440-4113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	18
Legal Lot Number	3
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2036
Census Tract	707100

Owner

36 Kendall St is owned by two individuals who bought it in November 2023.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6 HOUGHTONS MILL RD, LUNENBURG, MA 01462-1500
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Nov 13, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2023 · Amount on File
Deed Sale	Nov 13, 2023 · Amount on File
Prior Sale	Dec 11, 1984 · Amount on File
Deed Book / Page	69872 / 122
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	36 KENDALL ST, GARDNER, MA 01440-4113
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00066338-1
Date	Oct 20, 2021
Book Page	66338/1
Instrument	147391

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 13, 2023
Property Address	36 KENDALL ST, GARDNER, MA 01440-4113
Document Number	069872-122
Book / Page	69872 / 122
Instrument Date	Nov 13, 2023
Instrument	94687
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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	Tenants by the Entirety
Address	6 HOUGHTONS MILL RD, LUNENBURG, MA 01462-1500

Mortgage

Document Number	0000094688
Date	Nov 13, 2023
Instrument	94688

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 36 Kendall St was $4,824, up 10,387% from the year before.

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	$4,824.00 (+10,386.96%)	$350,300 (+8.08%) Land $79,500 Building $270,800	$383,240 (+24.24%)
2025	$46.00 (-99.02%)	$324,100 (+3.61%) Land $72,200 Building $251,900	$308,465
2024	$4,689.00 (+2.13%)	$312,800 (+9.91%) Land $65,700 Building $247,100
2023	$4,591.00	$284,600 Land $64,800 Building $219,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 36 Kendall St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 36 Kendall St is low, with a 0.01% annual chance of 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

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