5 Sand St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 5 Sand St, Gardner, MA 01440

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 2,890 sqft · built 1900
Lot Size	0.381 acres (16,575 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Aug 2022)
Tax Bill	$58 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Dec 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:M-25 B:0055 L:0027`

Property Details

APN / Parcel Number

Primary APN	`M:M-25 B:0055 L:0027`
Alternative APN	`GARD M:M27 B:23 L:27`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	3 Units
Stories	3 Stories
Building Area	2,890 sqft Living Area
Gross Area	5,040 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,575 sqft (0.381 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	5 SAND ST
City	GARDNER
State	MA
Zip	01440-2148
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Block	23
Legal Lot Number	27
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2004
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, as of April 14, 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	125 NARROW LN, PHILLIPSTON, MA 01331-9458
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage STIFEL BANK & TRUST
Dec 4, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2022 · Amount on Record
Deed Sale	Aug 4, 2022 · Amount on Record
Prior Sale	Apr 19, 2005 · Amount on Record
Deed Document Number	202285963
Deed Book / Page	68022 / 254
Transfer Doc	40272-24
Record Updated	Jun 8, 2026

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 4, 2022
Property Address	5 SAND ST, GARDNER, MA 01440-2148
Document Number	068022-254
Book / Page	68022 / 254
Instrument Date	Aug 4, 2022
Instrument	85963
Transaction Type	Transfer
Record Updated	Aug 19, 2022

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 Tenants with Right of Survivorship
Address	125 NARROW LN, PHILLIPSTON, MA 01331-9458

Mortgage

Document Number	0000085964
Date	Aug 4, 2022
Instrument	85964

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Sep 1, 2032
Max Rate At Change	3%
Index	Other
Margin	3

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	5 SAND ST, GARDNER, MA 01440-2148
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63896-306
Date	Dec 4, 2020
Book Page	63896/306
Instrument	149431

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	253 Months
Due	Jan 1, 2042

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
2025	$58.00 (-98.79%)	$407,800 (+27.36%) Land $72,500 Building $335,300
2024	$4,800.00 (+2.04%)	$320,200 (+9.81%) Land $66,000 Building $254,200
2023	$4,704.00	$291,600 Land $65,000 Building $226,600

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

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 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.

Nearby Properties on Sand St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures