Worcester County and Gardner City property record for 44 Leamy St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,591 sqft · built 1895 |
| Lot Size | 0.18 acres (7,854 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (Feb 2023) |
| Tax Bill | $4,032 (2026) |
| Deeds & Mortgages | Oct 2021 Refinance Feb 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:7 L:52 |
| Primary APN | GARD M:M22 B:7 L:52 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,591 sqft Living Area |
| Gross Area | 2,695 sqft |
| Basement Area | 882 sqft |
| Unfinished Basement | 882 sqft |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1895 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,854 sqft (0.18 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 44 LEAMY ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 7 |
| Legal Lot Number | 52 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 707300 |
44 Leamy St is owned and occupied by two individuals who bought it in February 2023.
Source: Worcester County and Gardner City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 44 LEAMY ST, GARDNER, MA 01440-2516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC |
| Feb 16, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 16, 2023 · Amount on File |
| Deed Sale | Feb 16, 2023 · Amount on File |
| Prior Sale | Mar 16, 1990 · Amount on File |
| Deed Book / Page | 68837 / 157 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 44 LEAMY ST, GARDNER, MA 01440-2516 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 066359-285 |
|---|---|
| Date | Oct 22, 2021 |
| Book Page | 66359/285 |
| Instrument | 148928 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Feb 16, 2023 |
| Property Address | 44 LEAMY ST, GARDNER, MA 01440-2516 |
| Document Number | 068837-157 |
| Book / Page | 68837 / 157 |
| Instrument Date | Feb 16, 2023 |
| Instrument | 13878 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 44 LEAMY ST, GARDNER, MA 01440-2516 |
| Document Number | 0000013879 |
|---|---|
| Date | Feb 16, 2023 |
| Instrument | 13879 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 44 Leamy St was $4,032, up 10,510.5% 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 | $4,032.00 (+10,510.53%) | $292,800 (+8.24%) Land $74,000 Building $218,800 | $345,952 (-2.24%) |
| 2025 | $38.00 (-99.01%) | $270,500 (+5.25%) Land $67,300 Building $203,200 | $353,875 |
| 2024 | $3,852.00 (+2.8%) | $257,000 (+10.63%) Land $61,200 Building $195,800 | |
| 2023 | $3,747.00 | $232,300 Land $60,300 Building $172,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 44 Leamy 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 | 4 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 44 Leamy 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 | 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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