Worcester County and Gardner City property record for 49 Dyer St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,013 sqft · built 1785 |
| Lot Size | 0.663 acres (28,862 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $390,900 (May 2021) |
| Tax Bill | $6,475 (2026) |
| Deeds & Mortgages | Feb 2024 Mortgage May 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:P-15 B:0012 L:0003 |
| Primary APN | M:P-15 B:0012 L:0003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,013 sqft Living Area |
| Gross Area | 3,929 sqft |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Year Built | Built 1785 |
|---|---|
| Effective Year Built | Effective 1785 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 28,862 sqft (0.663 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 49 DYER ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 16 |
| Legal Lot Number | 13 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 707100 |
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 | 49 DYER ST, GARDNER, MA 01440-3207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 22, 2024 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| May 7, 2021 | Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE NETWORK INC |
| Jun 25, 2020 | Quit Claim Deed, Transfer QS LENDING T |
| Feb 11, 2019 | Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 7, 2021 · Amount on Record |
| Deed Sale | May 7, 2021 · Amount on Record |
| Prior Sale | Jun 25, 2020 · Amount on Record |
| Deed Document Number | 202163512 |
| Deed Book / Page | 65117 / 124 |
| Prior Transfer Date | May 27, 2020 |
| Prior Transfer Doc | 62662-255 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 49 DYER ST, GARDNER, MA 01440-3207 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 070215-196 |
|---|---|
| Date | Feb 22, 2024 |
| Book Page | 70215/196 |
| Instrument | 12880 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Mar 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | May 7, 2021 |
| Property Address | 49 DYER ST, GARDNER, MA 01440-3207 |
| Document Number | 65117-124 |
| Book / Page | 65117 / 124 |
| Instrument Date | May 7, 2021 |
| Instrument | 63512 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2021 |
| 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 | Joint Tenants |
| Address | 49 DYER ST, GARDNER, MA 01440-3207 |
| Document Number | 63513 |
|---|---|
| Date | May 7, 2021 |
| Instrument | 63513 |
| Name | MORTGAGE NETWORK INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 25, 2020 |
| Property Address | 49 DYER ST, GARDNER, MA 01440-3207 |
| Document Number | 62662-255 |
| Book / Page | 062662 / 000255 |
| Instrument Date | May 27, 2020 |
| Instrument | 66982 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $431.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7 N RIDGE RD HUDSON NH 030513771, HUDSON, NH 03051-3771 |
| Document Number | 62662-259 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 062662/000259 |
| Instrument | 66983 |
| Name | QS LENDING T |
|---|
| Amount | Amount Recorded |
|---|
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Feb 11, 2019 |
| Property Address | 49 DYER ST, GARDNER, MA 01440-3207 |
| Document Number | 60034-190 |
| Book / Page | 060034 / 000190 |
| Instrument Date | Jan 30, 2019 |
| Instrument | 12818 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 26, 2019 |
| Amount | Amount Recorded |
|---|---|
| Tax | $410.86 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 3217 DECKER LAKE DR SALT LAKE CITY UT 841193284, SALT LAKE CITY, UT 84119-3284 |
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 | $6,475.00 (+3.48%) | $470,200 (+7.92%) Land $87,700 Building $382,500 | $427,626 (-13.34%) |
| 2025 | $6,257.00 (+2.19%) | $435,700 (+6.66%) Land $79,700 Building $356,000 | $493,430 |
| 2024 | $6,123.00 (+3.06%) | $408,500 (+10.92%) Land $72,500 Building $336,000 | |
| 2023 | $5,941.00 | $368,300 Land $71,400 Building $296,900 |
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 | 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.
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 | Indirect within 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 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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