Worcester County and Gardner City property record for 40 Leo Dr, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,120 sqft · built 1965 |
| Lot Size | 0.505 acres (22,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $161,250 (Dec 2018) |
| Tax Bill | $42 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Feb 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:J-35 B:0002 L:0002 |
| Primary APN | M:J-35 B:0002 L:0002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| Gross Area | 2,996 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,000 sqft (0.505 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 40 LEO DR |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1227 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 25 |
| Legal Lot Number | 37 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records · APN M:J-35 B:0002 L:0002
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 LEO DR, GARDNER, MA 01440-1227 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 19, 2026 | Deed of Trust, Mortgage · Conventional Mortgage IC FCU |
| Feb 05, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance RADIUS FINANCIAL GROUP |
| Oct 30, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance RADIUS FINANCIAL GROUP |
| Dec 20, 2018 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage RADIUS FINANCIAL GROUP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 20, 2018 · Amount on Record |
| Deed Sale | Dec 20, 2018 · Amount on Record |
| Deed Document Number | 2018134873 |
| Deed Book / Page | 59849 / 381 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 40 LEO DR, GARDNER, MA 01440-1227 |
| Transaction Type | Mortgage |
| Record Updated | Apr 08, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0073332-26 |
|---|---|
| Date | Mar 19, 2026 |
| Book Page | 73332/26 |
| Instrument | 20745 |
| Name | IC FCU |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 01, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 40 LEO DR, GARDNER, MA 01440-1227 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 64401-159 |
|---|---|
| Date | Feb 05, 2021 |
| Book Page | 64401/159 |
| Instrument | 17439 |
| Name | RADIUS FINANCIAL GROUP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 40 LEO DR, GARDNER, MA 01440-1227 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61326-357 |
|---|---|
| Date | Oct 30, 2019 |
| Book Page | 61326/357 |
| Instrument | 115295 |
| Name | RADIUS FINANCIAL GROUP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 20, 2018 |
| Property Address | 40 LEO DR, GARDNER, MA 01440-1227 |
| Document Number | 59849-381 |
| Book / Page | 59849 / 381 |
| Instrument Date | Dec 11, 2018 |
| Instrument | 134873 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 LEO DR, GARDNER, MA 01440-1227 |
| Document Number | 134874 |
|---|---|
| Date | Dec 20, 2018 |
| Instrument | 134874 |
| Name | RADIUS FINANCIAL GROUP |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
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 | $42.00 (-98.99%) | $294,900 (+5.85%) Land $83,200 Building $211,700 | $343,520 |
| 2024 | $4,176.00 (+7.91%) | $278,600 (+16.13%) Land $75,700 Building $202,900 | |
| 2023 | $3,870.00 | $239,900 Land $74,600 Building $165,300 |
Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · rainfall accumulation |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Holdings Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
Based on FCC filings for 152 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARDNER WATER DEPARTMENT serves 21,381 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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