Worcester County and Gardner City property record for 51 Sand St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,656 sqft · built 1920 |
| Lot Size | 0.274 acres (11,956 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Sep 2001) |
| Tax Bill | $3,854 (2026) |
| Deeds & Mortgages | Apr 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | M:M-26 B:0047 L:0019 |
| Primary APN | M:M-26 B:0047 L:0019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,656 sqft Living Area |
| Gross Area | 2,551 sqft |
| Basement Area | 880 sqft |
| Unfinished Basement | 880 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Colonial |
| Exterior Material | Other |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 11,956 sqft (0.274 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 51 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 | 19 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 707400 |
51 Sand St is owned and occupied by an individual who bought it in September 2001.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 51 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 21, 2001 · Amount on File |
| Deed Sale | Sep 21, 2001 · Amount on File |
| Deed Book / Page | 24870 / 319 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 51 SAND ST, GARDNER, MA 01440-2113 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0071840-59 |
|---|---|
| Date | Apr 10, 2025 |
| Book Page | 71840/59 |
| Instrument | 27560 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2045 |
The 2026 property tax bill for 51 Sand St was $3,854, up 8.6% from the year before.
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 | $3,854.00 (+8.56%) | $279,900 (+13.23%) Land $76,700 Building $203,200 | $342,441 (-3.26%) |
| 2025 | $3,550.00 (-1.77%) | $247,200 (+2.53%) Land $69,700 Building $177,500 | $353,970 |
| 2024 | $3,614.00 (+5.33%) | $241,100 (+13.35%) Land $63,400 Building $177,700 | |
| 2023 | $3,431.00 | $212,700 Land $62,500 Building $150,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 51 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 risk around 51 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 | None beyond 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 380 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures