47 Sand St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 47 Sand St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,304 sqft · built 1920
Lot Size	0.167 acres (7,260 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Jul 2023)
Tax Bill	$3,732 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Aug 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`M:M-26 B:0048 L:0020`

Property Details

APN / Parcel Number

Primary APN	`M:M-26 B:0048 L:0020`
Alternative APN	`GARD M:M27 B:18 L:20`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,304 sqft Living Area
Gross Area	2,816 sqft
Basement Area	527 sqft
Unfinished Basement	527 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,260 sqft (0.167 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	47 SAND ST
City	GARDNER
State	MA
Zip	01440-2113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	18
Legal Lot Number	20
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2004
Census Tract	707400

Owner

47 Sand St is owned and occupied by an individual who bought it in July 2023.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	47 SAND ST, GARDNER, MA 01440-2113
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Aug 16, 2021	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2023 · Amount on File
Deed Sale	Jul 14, 2023 · Amount on File
Prior Sale	Aug 16, 2021 · Amount on File
Deed Book / Page	69381 / 247
Prior Transfer Date	Jul 13, 2023
Prior Transfer Doc	069381-247
Record Updated	Oct 29, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 14, 2023
Property Address	47 SAND ST, GARDNER, MA 01440-2113
Document Number	069381-247
Book / Page	69381 / 247
Instrument Date	Jul 13, 2023
Instrument	56211
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Relationship	Tenants by the Entirety
Address	47 SAND ST, GARDNER, MA 01440-2113

Mortgage

Document Number	0000056212
Date	Jul 14, 2023
Instrument	56212

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 16, 2021
Property Address	47 SAND ST, GARDNER, MA 01440-2113
Document Number	65838-187
Book / Page	65838 / 187
Instrument Date	Aug 11, 2021
Instrument	114300
Transaction Type	Transfer
Record Updated	Sep 3, 2021

Transaction

Amount	Amount 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	8 HILLCREST DR, TEMPLETON, MA 01468-1513

Tax Assessment & Valuation

The 2026 property tax bill for 47 Sand St was $3,732, up 10,562.9% from the year before.

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	$3,732.00 (+10,562.86%)	$271,000 (+8.44%) Land $73,600 Building $197,400	$322,855 (-2.26%)
2025	$35.00 (-99%)	$249,900 (+7.25%) Land $66,900 Building $183,000	$330,315
2024	$3,493.00 (+2.58%)	$233,000 (+10.37%) Land $60,800 Building $172,200
2023	$3,405.00	$211,100 Land $59,900 Building $151,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 47 Sand St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 47 Sand 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 519 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Sand St

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