Worcester County and Gardner City property record for 43 Dyer St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,459 sqft · built 1982 |
| Lot Size | 0.642 acres (27,965 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,111 (2026) |
| Deeds & Mortgages | Mar 2024 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:P-15 B:0012A L:0003A |
| Primary APN | M:P-15 B:0012A L:0003A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,459 sqft Living Area |
| Gross Area | 3,268 sqft |
| Basement Area | 884 sqft |
| Unfinished Basement | 884 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 27,965 sqft (0.642 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 43 DYER ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 16 |
| Legal Lot Number | 3A |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 707100 |
43 Dyer St is owned and occupied by an individual.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 43 DYER ST, GARDNER, MA 01440-3207 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 43 DYER ST, GARDNER, MA 01440-3207 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0070323-51 |
|---|---|
| Date | Mar 26, 2024 |
| Book Page | 70323/51 |
| Instrument | 21380 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2039 |
The 2026 property tax bill for 43 Dyer St was $5,111, up 9,921.6% from the year before.
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 | $5,111.00 (+9,921.57%) | $371,200 (+4.07%) Land $87,100 Building $284,100 | $378,843 (-4.23%) |
| 2025 | $51.00 (-99.02%) | $356,700 (+2.65%) Land $79,100 Building $277,600 | $395,580 |
| 2024 | $5,209.00 (+8.54%) | $347,500 (+16.81%) Land $72,000 Building $275,500 | |
| 2023 | $4,799.00 | $297,500 Land $70,900 Building $226,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43 Dyer St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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.
Wildfire risk around 43 Dyer 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 | Indirect within 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 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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