Worcester County and Gardner City property record for 44 Sand St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,902 sqft · built 1939 |
| Lot Size | 0.309 acres (13,448 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Jul 2022) |
| Tax Bill | $4,336 (2026) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:M-26 B:0006 L:0029 |
| Primary APN | M:M-26 B:0006 L:0029 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,902 sqft Living Area |
| Gross Area | 4,740 sqft |
| Basement Area | 900 sqft |
| Unfinished Basement | 900 sqft |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,448 sqft (0.309 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 44 SAND ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 18 |
| Legal Lot Number | 29 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1033 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 44 SAND ST, GARDNER, MA 01440-2114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 29, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Jun 18, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2022 · Amount on Record |
| Deed Sale | Jul 29, 2022 · Amount on Record |
| Prior Sale | Jun 18, 2021 · Amount on Record |
| Deed Book / Page | 67992 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 29, 2022 |
| Property Address | 44 SAND ST, GARDNER, MA 01440-2114 |
| Document Number | 00067992-1 |
| Book / Page | 67992 / 1 |
| Instrument Date | Jul 29, 2022 |
| Instrument | 83624 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| 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 SAND ST, GARDNER, MA 01440-2114 |
| Document Number | 0000083625 |
|---|---|
| Date | Jul 29, 2022 |
| Instrument | 83625 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 18, 2021 |
| Property Address | 44 SAND ST, GARDNER, MA 01440-2114 |
| Document Number | 065424-253 |
| Book / Page | 65424 / 253 |
| Instrument Date | Jun 18, 2021 |
| Instrument | 85106 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 139 SUMMER ST, ATHOL, MA 01331-3409 |
| Document Number | 0000085107 |
|---|---|
| Date | Jun 18, 2021 |
| Instrument | 85107 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 065424-273 |
|---|---|
| Date | Jun 18, 2021 |
| Book Page | 65424/273 |
| Instrument | 85108 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2036 |
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 | $4,336.00 (+9,983.72%) | $314,900 (+4.17%) Land $77,700 Building $237,200 | $369,042 (-2.59%) |
| 2025 | $43.00 (-99.04%) | $302,300 (+1.34%) Land $70,600 Building $231,700 | $378,860 |
| 2024 | $4,472.00 (+8.12%) | $298,300 (+16.34%) Land $64,200 Building $234,100 | |
| 2023 | $4,136.00 | $256,400 Land $63,300 Building $193,100 |
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 · 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 | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · rainfall accumulation |
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.
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 380 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures