37 Sylvan Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 37 Sylvan Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,344 sqft · built 2003
Lot Size	0.323 acres (14,051 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Sep 2025)
Tax Bill	$6,944 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:Q-18 B:0004F L:0019E`

Property Details

APN / Parcel Number

Primary APN	`M:Q-18 B:0004F L:0019E`
Alternative APN	`GARD M:R17 B:7 L:19E`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,344 sqft Living Area
Gross Area	3,904 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,051 sqft (0.323 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	37 SYLVAN RD
City	GARDNER
State	MA
Zip	01440-4116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	7
Legal Lot Number	19E
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2013
Census Tract	707100

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	37 SYLVAN RD, GARDNER, MA 01440-4116
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed of Trust, Mortgage · Line of Credit GUILD MORTGAGE COMPANY
Apr 8, 2021	Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Sep 17, 2025	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Nov 14, 2019	Quit Claim Deed, Transfer · FHA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2025 · Amount on Record
Deed Sale	Sep 17, 2025 · Amount on Record
Prior Sale	Nov 14, 2019 · Amount on Record
Deed Document Number	202579517
Deed Book / Page	72545 / 367
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Apr 24, 2026
Property Address	37 SYLVAN RD, GARDNER, MA 01440-4116
Document Number	0000031311
Book / Page	73481 / 135
Instrument Date	Apr 12, 2026
Instrument	202631311
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 SYLVAN RD, GARDNER, MA 01440-4116

Mortgage

Document Number	073481-135,
Date	Apr 24, 2026
Book Page	73481/135
Instrument	202631311

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate	6.11%
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	37 SYLVAN RD, GARDNER, MA 01440-4116
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064888-355
Date	Apr 8, 2021
Book Page	64888/355
Instrument	48525

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	May 1, 2049

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 17, 2025
Property Address	37 SYLVAN RD, GARDNER, MA 01440-4116
Document Number	072545-367
Book / Page	72545 / 367
Instrument Date	Sep 17, 2025
Instrument	79517
Transaction Type	Transfer
Record Updated	Jan 26, 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	Tenants by the Entirety
Address	37 SYLVAN RD, GARDNER, MA 01440-4116

Mortgage

Document Number	0000079518
Date	Sep 17, 2025
Instrument	79518

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 14, 2019
Property Address	37 SYLVAN RD, GARDNER, MA 01440-4116
Document Number	61417-327
Book / Page	61417 / 327
Instrument Date	Nov 12, 2019
Instrument	122382
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	37 SYLVAN RD, GARDNER, MA 01440-4116

Mortgage

Document Number	122383
Date	Nov 14, 2019
Instrument	122383

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA 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	Assessed Market Value
2026	$6,944.00 (+10.05%)	$504,300 (+14.77%) Land $85,900 Building $418,400	$499,690 (+18.52%)
2025	$6,310.00 (-3.47%)	$439,400 (+0.76%) Land $78,100 Building $361,300	$421,610
2024	$6,537.00 (+6.59%)	$436,100 (+14.7%) Land $71,000 Building $365,100
2023	$6,133.00	$380,200 Land $70,000 Building $310,200

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

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

May also be available: Gateway Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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