418 Stone St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 418 Stone St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,204 sqft · built 2004
Lot Size	23.6 acres (1,028,774 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Sep 2019)
Tax Bill	$7,740 (2026)
Deeds & Mortgages	Mar 2021 Refinance Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:R-47 B:0008C L:0002B`

Property Details

APN / Parcel Number

Primary APN	`M:R-47 B:0008C L:0002B`
Alternative APN	`GARD M:R47 B:22 L:2B`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,204 sqft Living Area
Gross Area	5,690 sqft
Basement Area	1,204 sqft
Unfinished Basement	1,204 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,028,774 sqft (23.6 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	418 STONE ST
City	GARDNER
State	MA
Zip	01440-1150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	22
Legal Lot Number	2B
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1000
Census Tract	707500

Owner

Source: Worcester County and Gardner City records, as of October 20, 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 Record
Mailing Address	418 STONE ST, GARDNER, MA 01440-1150
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC
Sep 30, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2019 · Amount on Record
Deed Sale	Sep 30, 2019 · Amount on Record
Prior Sale	Dec 20, 2004 · Amount on Record
Deed Document Number	2019102129
Deed Book / Page	61149 / 371
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	418 STONE ST, GARDNER, MA 01440-1150
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064579-119
Date	Mar 1, 2021
Book Page	64579/119
Instrument	28562

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 30, 2019
Property Address	418 STONE ST, GARDNER, MA 01440-1150
Document Number	61149-371
Book / Page	61149 / 371
Instrument Date	Sep 30, 2019
Instrument	102129
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	418 STONE ST, GARDNER, MA 01440-1150

Mortgage

Document Number	102130
Date	Sep 30, 2019
Instrument	102130

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$7,740.00 (+10,801.41%)	$562,100 (+13.28%) Land $135,900 Building $426,200	$642,734 (+28.43%)
2025	$71.00 (-99.04%)	$496,200 (+0.55%) Land $127,800 Building $368,400	$500,460
2024	$7,398.00 (+6.37%)	$493,500 (+14.45%) Land $120,800 Building $372,700
2023	$6,955.00	$431,200 Land $109,800 Building $321,400

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

Flood

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

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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