40 Ryan St, Gardner, MA 01440 Property Records

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

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2006
Square Footage	1,286 sqft Living Area
Lot Size	39,885 sqft (0.916 acres)
Occupancy	Owner Occupied
Last Sale	$249,000 (2006)
Tax Bill	$59.00 (2025)

Owner

Source: Worcester County and Gardner City records · APN M:J-30 B:0076 L:0009A

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 RYAN ST, GARDNER, MA 01440-1553
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
Last Sale	Oct 27, 2006 · Amount on Record
Deed Sale	Oct 27, 2006 · Amount on Record
Prior Sale	Oct 27, 2006
Deed Doc Number	2006162329
Deed Book / Page	40051 / 86
Record Refreshed	Jun 08, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	40 RYAN ST, GARDNER, MA 01440-1553
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066848-166
Date	Dec 29, 2021
Book Page	66848/166
Instrument	182149

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jan 01, 2037

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	$59.00 (-98.96%)	$412,400 (+8.58%) Land $84,400 Building $328,000	$336,015
2024	$5,693.00 (+1.72%)	$379,800 (+9.45%) Land $76,800 Building $303,000
2023	$5,597.00	$347,000 Land $75,600 Building $271,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`M:J-30 B:0076 L:0009A`
Alternative APN	`GARD M:H32 B:25 L:9A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,286 sqft Living Area
Gross Area	2,678 sqft Gross Area
Stories	1 Stories

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Raised Ranch Style
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	39,885 sqft (0.916 acres)

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	40 RYAN ST
City	GARDNER
State	MA
Zip	01440-1553
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	25
Legal Lot Number	9A
Jurisdiction	GARDNER MA
Minor Civil Division	GARDNER
Census Blockgroup	1
Census Block	1020
Census Tract	707400