39 School St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 39 School St, Gardner, MA 01440

Property Summary

Property Type	Apartments (5+ Units)
Details	8 bd · 4 ba · 3,602 sqft · built 1870
Lot Size	0.304 acres (13,246 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Jun 1999)
Tax Bill	$3,975 (2026)
Deeds & Mortgages	Jun 2026 Construction Loan Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:22 L:3`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:22 L:3`
Alternative APN	`M:Q-25 B:0025 L:0003`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Total Rooms	16 Rooms
Units	4 Units
Stories	3 Stories
Building Area	3,602 sqft Living Area
Gross Area	4,771 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Mansard
Roof Material	Slate
Lot Area	13,246 sqft (0.304 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	39 SCHOOL ST
City	GARDNER
State	MA
Zip	01440-2277
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	R3
Legal Subdivision	LAND ROGER C KRAMER ET UX GARD
Legal Block	22
Legal Lot Number	3
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2006
Census Tract	707200

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	Individual Name on Record
Mailing Address	53 CHESTNUT ST, 1, GARDNER, MA 01440-2255
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust · Construction Mortgage
Sep 30, 2025	Deed of Trust, Mortgage PROBUILDER FINANCIAL LLC
Jun 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PROBUILDER FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 1999 · Amount on Record
Deed Sale	Jun 17, 1999 · Amount on Record
Prior Sale	Mar 27, 1996 · Amount on Record
Deed Book / Page	21514 / 96
Record Updated	Oct 29, 2026

June 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Jun 2, 2026
Property Address	39 SCHOOL ST, GARDNER, MA 01440-2277
Document Number	073662-195
Book / Page	73662 / 195
Instrument Date	Jun 2, 2026
Instrument	202644130
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044130,
Date	Jun 2, 2026
Book Page	73662/195
Instrument	202644130

Lender

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.37%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	39 SCHOOL ST, GARDNER, MA 01440-2277
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072611-170
Date	Sep 30, 2025
Book Page	72611/170
Instrument	84163

Lender

Name	PROBUILDER FINANCIAL LLC

Agreement

Amount	Amount Recorded

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	39 SCHOOL ST, GARDNER, MA 01440-2277
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065411-118
Date	Jun 17, 2021
Book Page	65411/118
Instrument	84161

Lender

Name	PROBUILDER FINANCIAL LLC

Agreement

Type	Stand-Alone Refinance
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
2026	$3,975.00 (+8.55%)	$288,700 (+13.22%) Land $77,600 Building $211,100
2025	$3,662.00 (+29.13%)	$255,000 (+34.78%) Land $70,500 Building $184,500
2024	$2,836.00 (+41.66%)	$189,200 (+52.46%) Land $64,100 Building $125,100
2023	$2,002.00	$124,100 Land $63,200 Building $60,900

Assessed value is set for property tax purposes and is not a market price estimate.

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	1 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 388 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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