Worcester County and Gardner City property record for 38 Jonathan St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1959 |
| Square Footage | 1,720 sqft Living Area |
| Lot Size | 7,585 sqft (0.174 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $240,000 (2019) |
| Tax Bill | $46.00 (2025) |
Source: Worcester County and Gardner City records · APN GARD M:M27 B:9 L:7
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 38 JONATHAN ST, GARDNER, MA 01440-1906 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 20, 2023 | Deed of Trust, Mortgage · Second Mortgage to Cover Down Payment FIDELITY COOPERATIVE BANK |
| Nov 24, 2021 | Deed of Trust, Mortgage · Stand Alone Refinance TOTAL MORTGAGE SERVICES LLC |
| Oct 04, 2019 | Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage TOTAL MORTGAGE SERVICES LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 04, 2019 · Amount on Record |
| Deed Sale | Oct 04, 2019 · Amount on Record |
| Prior Sale | Dec 03, 2008 · Amount on Record |
| Deed Doc Number | 2019104419 |
| Deed Book / Page | 61181 / 41 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 38 JONATHAN ST, GARDNER, MA 01440-1906 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 069406-369 |
|---|---|
| Date | Jul 20, 2023 |
| Book Page | 69406/369 |
| Instrument | 58277 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage to Cover Down Payment |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Aug 01, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 38 JONATHAN ST, GARDNER, MA 01440-1906 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0066608-73 |
|---|---|
| Date | Nov 24, 2021 |
| Book Page | 66608/73 |
| Instrument | 165076 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 04, 2019 |
| Property Address | 38 JONATHAN ST, GARDNER, MA 01440-1906 |
| Document Number | 61181-41 |
| Book / Page | 61181 / 41 |
| Instrument Date | Sep 24, 2019 |
| Instrument | 104419 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 245 ROYALSTON RD, PHILLIPSTON, MA 01331-9362 |
| Document Number | 104420 |
|---|---|
| Date | Oct 04, 2019 |
| Instrument | 104420 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $46.00 (-99.02%) | $325,100 (+3.34%) Land $73,800 Building $251,300 | $383,040 |
| 2024 | $4,716.00 (+7.82%) | $314,600 (+16%) Land $67,100 Building $247,500 | |
| 2023 | $4,374.00 | $271,200 Land $66,100 Building $205,100 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | GARD M:M27 B:9 L:7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,720 sqft Living Area |
| Gross Area | 3,846 sqft Gross Area |
| Stories | 1 Stories |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Ranch Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 7,585 sqft (0.174 acres) |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Street Address | 38 JONATHAN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1906 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 9 |
| Legal Lot Number | 7 |
| Jurisdiction | GARDNER MA |
| Minor Civil Division | GARDNER |
| Census Blockgroup | 2 |
| Census Block | 2002 |
| Census Tract | 707400 |
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