38 Sunset Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 38 Sunset Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,068 sqft · built 1920
Lot Size	0.13 acres (5,675 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Apr 2025)
Tax Bill	$3,699 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Feb 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:S-11 B:0006 L:0023`

Property Details

APN / Parcel Number

Primary APN	`M:S-11 B:0006 L:0023`
Alternative APN	`GARD M:R12 B:14 L:11`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,068 sqft Living Area
Gross Area	1,965 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,675 sqft (0.13 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	38 SUNSET RD
City	GARDNER
State	MA
Zip	01440-3544
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	14
Legal Lot Number	11
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2054
Census Tract	707100

Owner

Source: Worcester County and Gardner City assessment roll, as of April 14, 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 SUNSET RD, GARDNER, MA 01440-3544
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2022	Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK
Feb 14, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 18, 2017	Deed of Trust, Mortgage HOMEBRIDGE FINANCIAL
Jun 7, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance NEWREZ LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 18, 2025 · Amount on Record
Deed Sale	Apr 18, 2025 · Amount on Record
Prior Sale	Feb 14, 2023 · Amount on Record
Deed Book / Page	71875 / 49
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	38 SUNSET RD, GARDNER, MA 01440-3544
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068206-314
Date	Sep 14, 2022
Book Page	68206/314
Instrument	100573

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2042

Interest

Rate Type	Adjustable Rate

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 14, 2023
Property Address	38 SUNSET RD, GARDNER, MA 01440-3544
Document Number	068827-384
Book / Page	68827 / 384
Instrument Date	Feb 14, 2023
Instrument	13113
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	38 SUNSET RD, GARDNER, MA 01440-3544

Mortgage

Document Number	0000013114
Date	Feb 14, 2023
Instrument	13114

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	38 SUNSET RD, GARDNER, MA 01440-3544
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	058202-341
Date	Dec 18, 2017
Book Page	58202/341
Instrument	141290

Lender

Name	HOMEBRIDGE FINANCIAL

Agreement

Amount	Amount Recorded
Term	192 Months
Due	Dec 1, 2033

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 7, 2021
Property Address	38 SUNSET RD, GARDNER, MA 01440-3544
Document Number	0065327-68
Book / Page	65327 / 68
Instrument Date	May 28, 2021
Instrument	78216
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 SUNSET RD, GARDNER, MA 01440-3544

Mortgage

Document Number	0000078217
Date	Jun 7, 2021
Instrument	78217

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

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
2025	$3,699.00 (+1.51%)	$257,600 (+5.96%) Land $72,600 Building $185,000	$302,385
2024	$3,644.00 (+7.78%)	$243,100 (+15.98%) Land $66,000 Building $177,100
2023	$3,381.00	$209,600 Land $65,000 Building $144,600

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
Nearest Special Flood Hazard Area	Zone A, 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

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 at the parcel

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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