406 Stone St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 406 Stone St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,120 sqft · built 2005
Lot Size	7.52 acres (327,894 sqft)
Owner	Individual Name on File
Last Sale	$318,000 (Mar 2020)
Tax Bill	$7,436 (2026)
Deeds & Mortgages	Feb 2024 Refinance Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R47 B:21 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R47 B:21 L:2`
Alternative APN	`M:R-47 B:0008A L:0002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,120 sqft Living Area
Gross Area	4,180 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	327,894 sqft (7.52 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	406 STONE ST
City	GARDNER
State	MA
Zip	01440-1150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	ERIC M OLSON
Legal Block	21
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1000
Census Tract	707500

Owner

406 Stone St is owned by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	112 SAUNDERS ST, GARDNER, MA 01440-2428
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC
Mar 6, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage DIGITAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2020 · Amount on File
Deed Sale	Mar 6, 2020 · Amount on File
Prior Sale	Jun 21, 2004 · Amount on File
Deed Document Number	202024006
Deed Book / Page	62004 / 17
Prior Transfer Date	Feb 26, 2020
Prior Transfer Doc	62004-17
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	406 STONE ST, GARDNER, MA 01440-1150
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070205-187
Date	Feb 20, 2024
Book Page	70205/187
Instrument	12160

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 6, 2020
Property Address	406 STONE ST, GARDNER, MA 01440-1150
Document Number	62004-17
Book / Page	62004 / 17
Instrument Date	Feb 26, 2020
Instrument	24006
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 STONE ST, GARDNER, MA 01440-1150

Mortgage

Document Number	24007
Date	Mar 6, 2020
Instrument	24007

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 406 Stone St was $7,436, up 12,293.3% 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	$7,436.00 (+12,293.33%)	$540,000 (+27.18%) Land $119,400 Building $420,600	$566,878 (+10.89%)
2025	$60.00 (-99.06%)	$424,600 (-0.79%) Land $110,400 Building $314,200	$511,195
2024	$6,416.00 (+5.23%)	$428,000 (+13.23%) Land $102,600 Building $325,400
2023	$6,097.00	$378,000 Land $101,400 Building $276,600

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

Flood

FEMA maps place 406 Stone St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 406 Stone St 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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