40 Jay St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 40 Jay St, Gardner, MA 01440 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1928
Square Footage	1,318 sqft Living Area
Lot Size	4,531 sqft (0.104 acres)
Occupancy	Owner Occupied
Last Sale	$230,000 (2021)
Tax Bill	$36.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`M:Q-22 B:0005 L:0013`
Alternative APN	`GARD M:R22 B:12 L:13`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Total Rooms	5 Rooms
Building Area	1,318 sqft Living Area
Gross Area	3,442 sqft Gross Area
Stories	1 Stories

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Bungalow Style
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	4,531 sqft (0.104 acres)

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	40 JAY ST
City	GARDNER
State	MA
Zip	01440-2747
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	12
Legal Lot Number	13
Jurisdiction	GARDNER MA
Minor Civil Division	GARDNER
Census Blockgroup	1
Census Block	1008
Census Tract	707200

Owner

Source: Worcester County and Gardner City records · APN M:Q-22 B:0005 L:0013

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	40 JAY ST, GARDNER, MA 01440-2747
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Known Transactions	Last Sale Amount on Dec 17, 2021 Deed Sale Price on Dec 17, 2021 Prior Sale Amount on Feb 08, 1994
Deed Book / Page	66769 / 131
Record Refreshed	Jun 08, 2026

December 2021: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 17, 2021
Property Address	40 JAY ST, GARDNER, MA 01440-2747
Document Number	066769-131
Book / Page	66769 / 131
Instrument Date	Dec 16, 2021
Instrument	176437
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	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 JAY ST, GARDNER, MA 01440-2747

Mortgage

Document Number	0000176438
Date	Dec 17, 2021
Instrument	176438

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

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	$36.00 (-99.04%)	$256,900 (+2.92%) Land $64,900 Building $192,000	$334,590
2024	$3,742.00 (+8.12%)	$249,600 (+16.31%) Land $59,000 Building $190,600
2023	$3,461.00	$214,600 Land $58,100 Building $156,500