Worcester County and Gardner City property record for 40 Dyer St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,451 sqft · built 1850 |
| Lot Size | 0.306 acres (13,314 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $165,000 (May 2009) |
| Tax Bill | $4,554 (2025) |
| Deeds & Mortgages | May 2021 Refinance Mar 2022 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:P-15 B:0003A L:0004A |
| Primary APN | M:P-15 B:0003A L:0004A |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,451 sqft Living Area |
| Gross Area | 4,578 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,314 sqft (0.306 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 40 DYER ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3208 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Subdivision | RICHARD HAYWARD |
| Legal Block | 16 |
| Legal Lot Number | 4A |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 707100 |
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 | 40 DYER ST, GARDNER, MA 01440-3208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| May 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE RESEARCH CENTER LLC |
| Mar 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC |
| Jan 26, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU |
| Dec 19, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Nov 15, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Sep 27, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2009 · Amount on Record |
| Deed Sale | May 19, 2009 · Amount on Record |
| Prior Sale | May 31, 2006 · Amount on Record |
| Deed Book / Page | 44269 / 56 |
| Last Transfer Date | Dec 15, 2025 |
| Transfer Doc | 072992-194 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 40 DYER ST, GARDNER, MA 01440-3208 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 065260-177 |
|---|---|
| Date | May 27, 2021 |
| Book Page | 65260/177 |
| Instrument | 73470 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 40 DYER ST, GARDNER, MA 01440-3208 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 067333-364 |
|---|---|
| Date | Mar 28, 2022 |
| Book Page | 67333/364 |
| Instrument | 33898 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 40 DYER ST, GARDNER, MA 01440-3208 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00070137-1 |
|---|---|
| Date | Jan 26, 2024 |
| Book Page | 70137/1 |
| Instrument | 6486 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2044 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 19, 2025 |
| Property Address | 40 DYER ST, GARDNER, MA 01440-3208 |
| Document Number | 072992-194 |
| Book / Page | 72992 / 194 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 111153 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 DYER ST, GARDNER, MA 01440-3208 |
| Document Number | 0000111154 |
|---|---|
| Date | Dec 19, 2025 |
| Instrument | 111154 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Nov 15, 2023 |
| Property Address | 40 DYER ST, GARDNER, MA 01440-3208 |
| Document Number | 069884-374 |
| Book / Page | 69884 / 374 |
| Instrument Date | Nov 13, 2023 |
| Instrument | 95784 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 40 DYER ST, GARDNER, MA 01440-3208 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Sep 27, 2022 |
| Property Address | 40 DYER ST, GARDNER, MA 01440-3208 |
| Document Number | 068270-334 |
| Book / Page | 68270 / 334 |
| Instrument Date | Sep 24, 2022 |
| Instrument | 105737 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Venture |
| Address | 40 DYER ST, GARDNER, MA 01440-3208 |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,554.00 (+3.55%) | $317,100 (+8.08%) Land $70,500 Building $246,600 |
| 2024 | $4,398.00 (+1.55%) | $293,400 (+9.27%) Land $64,200 Building $229,200 |
| 2023 | $4,331.00 | $268,500 Land $63,300 Building $205,200 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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