430 Stone St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 430 Stone St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,128 sqft · built 2004
Lot Size	16.5 acres (719,934 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Dec 2019)
Tax Bill	$71 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:R-47 B:0008D L:0002C`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,128 sqft Living Area
Gross Area	5,199 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	719,934 sqft (16.5 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	430 STONE ST
City	GARDNER
State	MA
Zip	01440-1150
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	ERIC M OLSON
Legal Block	22
Legal Lot Number	2C
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 April 14, 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	430 STONE ST, GARDNER, MA 01440-1150
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2017	Deed of Trust, Mortgage ATHOL SAVINGS BANK
Dec 13, 2019	Quit Claim Deed, Transfer · VA Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2019 · Amount on Record
Deed Sale	Dec 13, 2019 · Amount on Record
Prior Sale	Oct 3, 2012 · Amount on Record
Deed Document Number	2019135564
Deed Book / Page	61588 / 96
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	430 STONE ST, GARDNER, MA 01440-1150
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57255-110
Date	Jun 14, 2017
Book Page	57255/110
Instrument	60916

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 13, 2019
Property Address	430 STONE ST, GARDNER, MA 01440-1150
Document Number	61588-96
Book / Page	61588 / 96
Instrument Date	Dec 13, 2019
Instrument	135564
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

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

Mortgage

Document Number	135565
Date	Dec 13, 2019
Instrument	135565

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA 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
2025	$71.00 (-99.05%)	$496,600 (-0.1%) Land $138,700 Building $357,900	$527,820
2024	$7,452.00 (+6.43%)	$497,100 (+14.51%) Land $130,900 Building $366,200
2023	$7,002.00	$434,100 Land $119,400 Building $314,700

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 5 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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