456 Stone St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 456 Stone St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,802 sqft · built 2005
Lot Size	2.99 acres (130,567 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Sep 2021)
Tax Bill	$7,159 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`M:R-47 B:0008F L:0002E`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,802 sqft Living Area
Gross Area	3,494 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	130,567 sqft (2.99 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	456 STONE ST
City	GARDNER
State	MA
Zip	01440-1150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	22
Legal Lot Number	2E
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 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	Individual Name on Record
Mailing Address	456 STONE ST, GARDNER, MA 01440-1150
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2021 · Amount on Record
Deed Sale	Sep 24, 2021 · Amount on Record
Prior Sale	Jun 20, 2005 · Amount on Record
Deed Document Number	2021134309
Deed Book / Page	66141 / 38
Record Updated	Oct 29, 2026

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 24, 2021
Property Address	456 STONE ST, GARDNER, MA 01440-1150
Document Number	66141-38
Book / Page	66141 / 38
Instrument Date	Sep 24, 2021
Instrument	134309
Transaction Type	Transfer
Record Updated	Oct 8, 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	456 STONE ST, GARDNER, MA 01440-1150

Mortgage

Document Number	134310
Date	Sep 24, 2021
Instrument	134310

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First 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
2026	$7,159.00 (+10,913.85%)	$519,900 (+13.64%) Land $104,100 Building $415,800	$537,634 (+0.47%)
2025	$65.00 (-99.04%)	$457,500 (+1.71%) Land $95,100 Building $362,400	$535,135
2024	$6,743.00 (+6.61%)	$449,800 (+14.72%) Land $87,300 Building $362,500
2023	$6,325.00	$392,100 Land $84,500 Building $307,600

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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

4G LTE (outdoors only), no 5G reported

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