Worcester County and Gardner City property record for 43 A St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,615 sqft · built 1912 |
| Lot Size | 0.152 acres (6,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $129,900 (Aug 2011) |
| Tax Bill | $3,818 (2026) |
| Deeds & Mortgages | Oct 2020 Refinance Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:2 L:42 |
| Primary APN | GARD M:M22 B:2 L:42 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,615 sqft Living Area |
| Gross Area | 3,102 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 6,600 sqft (0.152 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 43 A ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3753 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 2 |
| Legal Lot Number | 42 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 707400 |
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 | 43 A ST, GARDNER, MA 01440-3753 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 29, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Sep 1, 2018 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT COM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 24, 2011 · Amount on Record |
| Deed Sale | Aug 24, 2011 · Amount on Record |
| Prior Sale | Nov 26, 2003 · Amount on Record |
| Deed Document Number | 20118 |
| Deed Book / Page | 47748 / 277 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 43 A ST, GARDNER, MA 01440-3753 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63619-214 |
|---|---|
| Date | Oct 29, 2020 |
| Book Page | 63619/214 |
| Instrument | 130325 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 43 A ST, GARDNER, MA 01440-3753 |
| Document Number | 59371-206 |
| Instrument Date | Sep 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2018 |
| Name | Verified Name |
|---|---|
| Address | 43 A ST GARDNER MA 014403753, GARDNER, MA 01440-3753 |
| Document Number | 59371-206 |
|---|---|
| Date | Sep 7, 2018 |
| Book Page | 059371/000206 |
| Instrument | 94566 |
| Name | LOANDEPOT COM |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 6, 2048 |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,818.00 (+9,947.37%) | $277,300 (+2.48%) Land $73,200 Building $204,100 | $319,858 (+18.72%) |
| 2025 | $38.00 (-99.05%) | $270,600 (+0.93%) Land $66,500 Building $204,100 | $269,420 |
| 2024 | $4,019.00 (+8.42%) | $268,100 (+16.67%) Land $60,500 Building $207,600 | |
| 2023 | $3,707.00 | $229,800 Land $59,600 Building $170,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 356 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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