40 Ken Dr, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 40 Ken Dr, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 988 sqft · built 1958
Lot Size	0.2 acres (8,730 sqft)
Owner	2 Trust Names on File
Last Sale	$100,000 (Mar 2008)
Tax Bill	$4,554 (2026)
Deeds & Mortgages	Aug 2020 Refinance Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:24 L:8`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:24 L:8`
Alternative APN	`M:S-10 B:0006 L:0008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
Gross Area	2,084 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,730 sqft (0.2 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	40 KEN DR
City	GARDNER
State	MA
Zip	01440-3519
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	8
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2051
Census Tract	707100

Owner

40 Ken Dr is owner-occupied and held in a trust since April 2025.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	40 KEN DR, GARDNER, MA 01440-3519
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Oct 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2008 · Amount on File
Deed Sale	Mar 28, 2008 · Amount on File
Deed Document Number	200833514
Deed Book / Page	42621 / 238
Last Transfer Date	Apr 8, 2025
Transfer Doc	071834-130
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	40 KEN DR, GARDNER, MA 01440-3519
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62942-1
Date	Aug 3, 2020
Book Page	62942/1
Instrument	85207

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	40 KEN DR, GARDNER, MA 01440-3519
Document Number	57985-156
Book / Page	057985 / 000156
Instrument Date	Oct 28, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57985-156
Date	Nov 2, 2017
Book Page	057985/000156
Instrument	122747

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 40 Ken Dr was $4,554, down 1.5% from the year before.

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
2026	$4,554.00 (-1.47%)	$330,700 (+2.73%) Land $74,600 Building $256,100	$315,267 (-0.01%)
2025	$4,622.00 (+2.48%)	$321,900 (+6.98%) Land $67,800 Building $254,100	$315,305
2024	$4,510.00 (+9.44%)	$300,900 (+17.77%) Land $61,600 Building $239,300
2023	$4,121.00	$255,500 Land $60,700 Building $194,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 40 Ken Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, 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

Wildfire risk around 40 Ken Dr is low, with a 0.01% annual chance of 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.

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 and 4G LTE (outdoors only)

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