386 Stone St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 386 Stone St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,588 sqft · built 1952
Lot Size	0.574 acres (24,991 sqft)
Owner	Individual Name on Record
Last Sale	$117,000 (Feb 2017)
Tax Bill	$46 (2025)
Deeds & Mortgages	May 2024 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R42 B:2 L:2A`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R42 B:2 L:2A`
Alternative APN	`M:R-47 B:0008B L:0002A`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,588 sqft Living Area
Gross Area	3,560 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,991 sqft (0.574 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	386 STONE ST
City	GARDNER
State	MA
Zip	01440-1146
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	2A
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1000
Census Tract	707500

Owner

Source: Worcester County and Gardner City records, 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 Record
Mailing Address	141 HIGH ST, WINCHENDON, MA 01475-1750
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 10, 2017	Quit Claim Deed, Transfer · FHA Mortgage VILLAGE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2017 · Amount on Record
Deed Sale	Feb 10, 2017 · Amount on Record
Prior Sale	Jun 14, 2016 · Amount on Record
Deed Book / Page	56727 / 20
Record Updated	Jun 8, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	386 STONE ST, GARDNER, MA 01440-1146
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070473-215
Date	May 6, 2024
Book Page	70473/215
Instrument	33094

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	277 Months
Due	Jun 1, 2047

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 10, 2017
Property Address	386 STONE ST, GARDNER, MA 01440-1146
Document Number	56727-20
Book / Page	56727 / 20
Instrument	14909
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$33.76
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	567270025
Date	Feb 10, 2017
Instrument	56727/0025

Lender

Name	VILLAGE MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 10, 2047

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	$46.00 (-99.03%)	$325,500 (+3.24%) Land $77,200 Building $248,300	$662,720
2024	$4,726.00 (+7.6%)	$315,300 (+15.79%) Land $70,200 Building $245,100
2023	$4,392.00	$272,300 Land $69,200 Building $203,100

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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