47 Summer St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,317 sqft · built 1900
Lot Size	0.117 acres (5,095 sqft)
Owner	2 Individual Names on Record
Last Sale	$344,000 (Aug 2021)
Tax Bill	$5,421 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2021 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`M:T-15 B:0038 L:0015`

Property Details

APN / Parcel Number

Primary APN	`M:T-15 B:0038 L:0015`
Alternative APN	`GARD M:R17 B:24 L:44`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,317 sqft Living Area
Gross Area	3,051 sqft
Basement Area	741 sqft
Unfinished Basement	741 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,095 sqft (0.117 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	47 SUMMER ST
City	GARDNER
State	MA
Zip	01440-3329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	44
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2002
Census Tract	707100

Owner

Source: Worcester County and Gardner City records, as of October 21, 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	47 SUMMER ST, GARDNER, MA 01440-3329
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed of Trust, Mortgage UNION CREDIT UNION
Aug 3, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Mar 15, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE CORP EAST III
Sep 17, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 21, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 21, 2019	Grant Deed, Transfer NOT AVAILABLE
May 30, 2019	Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2021 · Amount on Record
Deed Sale	Aug 3, 2021 · Amount on Record
Prior Sale	Mar 15, 2021 · Amount on Record
Deed Document Number	2021108698
Deed Book / Page	65760 / 336
Prior Transfer Date	Aug 2, 2021
Prior Transfer Doc	65760-336
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Sep 30, 2026
Property Address	47 SUMMER ST, GARDNER, MA 01440-3329
Document Number	0000085708
Book / Page	74238 / 42
Instrument Date	Sep 25, 2026
Instrument	202685708
Transaction Type	Mortgage
Record Updated	Oct 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47 SUMMER ST, GARDNER, MA 01440-3329

Mortgage

Document Number	0000085708,
Date	Sep 30, 2026
Book Page	74238/42
Instrument	202685708

Lender

Name	UNION CREDIT UNION

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 3, 2021
Property Address	47 SUMMER ST, GARDNER, MA 01440-3329
Document Number	65760-336
Book / Page	65760 / 336
Instrument Date	Aug 2, 2021
Instrument	108698
Transaction Type	Transfer
Record Updated	Aug 20, 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
Relationship	Tenants by the Entirety
Address	47 SUMMER ST, GARDNER, MA 01440-3329

Mortgage

Document Number	108699
Date	Aug 3, 2021
Instrument	108699

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 15, 2021
Property Address	47 SUMMER ST, GARDNER, MA 01440-3329
Document Number	64679-140
Book / Page	64679 / 140
Instrument Date	Mar 12, 2021
Instrument	35261
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	Joint Venture
Address	47 SUMMER ST, GARDNER, MA 01440-3329

Mortgage

Document Number	35262
Date	Mar 15, 2021
Instrument	35262

Lender

Name	MORTGAGE CORP EAST III
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 17, 2019
Property Address	47 SUMMER ST, GARDNER, MA 01440-3329
Document Number	61065-5
Book / Page	061065 / 000005
Instrument Date	Sep 9, 2019
Instrument	95652
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$303.24
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	25 OVERLOOK RD WESTMINSTER MA 014731017, WESTMINSTER, MA 01473-1017

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 21, 2019
Property Address	47 SUMMER ST, GARDNER, MA 01440-3329
Document Number	60585-120
Book / Page	060585 / 000120
Instrument Date	Jun 19, 2019
Instrument	57840
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$264.48
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	546 NEWTON ST CHESTNUT HILL MA 024673177, CHESTNUT HILL, MA 02467-3177

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 21, 2019
Property Address	47 SUMMER ST, GARDNER, MA 01440-3329
Document Number	60585-117
Book / Page	060585 / 000117
Instrument Date	May 29, 2019
Instrument	57839
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$22.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	119 DRUM HILL RD #344 CHELMSFORD MA 018241505, 344, CHELMSFORD, MA 01824-1505

May 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	May 30, 2019
Property Address	47 SUMMER ST, GARDNER, MA 01440-3329
Document Number	60474-1
Book / Page	060474 / 000001
Instrument Date	May 16, 2019
Instrument	48844
Transaction Type	Foreclosure
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$241.68
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	119 DRUM HILL RD #344 CHELMSFORD MA 018241505, 344, CHELMSFORD, MA 01824-1505

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	$5,421.00 (+10,325%)	$393,700 (+7.95%) Land $72,200 Building $321,500	$373,889 (+5.09%)
2025	$52.00 (-98.97%)	$364,700 (+7.8%) Land $65,700 Building $299,000	$355,775
2024	$5,071.00 (+3.45%)	$338,300 (+11.32%) Land $59,700 Building $278,600
2023	$4,902.00	$303,900 Land $58,800 Building $245,100

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

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.

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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

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