Worcester County and Gardner City property record for 53 Stuart St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,060 sqft · built 1994 |
| Lot Size | 0.254 acres (11,079 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (Oct 2022) |
| Tax Bill | $49 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Mar 2022 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M27 B:4 L:7 |
| Primary APN | GARD M:M27 B:4 L:7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,060 sqft Living Area |
| Gross Area | 2,778 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,079 sqft (0.254 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 53 STUART ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1961 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 4 |
| Legal Lot Number | 7 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records · APN GARD M:M27 B:4 L:7
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 53 STUART ST, GARDNER, MA 01440-1961 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 31, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage DIGITAL FCU |
| Mar 15, 2022 | Quit Claim Deed, Transfer · Stand-Alone Refinance DIGITAL FCU |
| Jul 31, 2019 | Deed of Trust, Mortgage · ARM DIGITAL FCU |
| Jul 31, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU |
| Aug 08, 2018 | Deed of Trust, Mortgage DIGITAL FCU |
| Jun 15, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 31, 2022 · Amount on Record |
| Deed Sale | Oct 31, 2022 · Amount on Record |
| Prior Sale | Oct 03, 2016 · Amount on Record |
| Deed Book / Page | 68422 / 391 |
| Prior Transfer Date | Feb 28, 2022 |
| Prior Transfer Doc | 067267-276 |
| Record Updated | Jun 08, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 31, 2022 |
| Property Address | 53 STUART ST, GARDNER, MA 01440-1961 |
| Document Number | 068422-391 |
| Book / Page | 68422 / 391 |
| Instrument Date | Oct 31, 2022 |
| Instrument | 117412 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 53 STUART ST, GARDNER, MA 01440-1961 |
| Investor | Possibly a Property Investor |
| Document Number | 0000117413 |
|---|---|
| Date | Oct 31, 2022 |
| Instrument | 117413 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Mar 15, 2022 |
| Property Address | 53 STUART ST, GARDNER, MA 01440-1961 |
| Document Number | 067267-273 |
| Book / Page | 67267 / 273 |
| Instrument Date | Feb 28, 2022 |
| Instrument | 28975 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 53 STUART ST, GARDNER, MA 01440-1961 |
| Document Number | 0000028976 |
|---|---|
| Date | Mar 15, 2022 |
| Instrument | 28976 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 53 STUART ST, GARDNER, MA 01440-1961 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60807-79 |
|---|---|
| Date | Jul 31, 2019 |
| Book Page | 60807/79 |
| Instrument | 75486 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Aug 01, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 53 STUART ST, GARDNER, MA 01440-1961 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60807-99 |
|---|---|
| Date | Jul 31, 2019 |
| Book Page | 60807/99 |
| Instrument | 75487 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 01, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 53 STUART ST, GARDNER, MA 01440-1961 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59226-348 |
|---|---|
| Date | Aug 08, 2018 |
| Book Page | 59226/348 |
| Instrument | 82361 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Aug 01, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 53 STUART ST, GARDNER, MA 01440-1961 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62594-291 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 62594/291 |
| Instrument | 62440 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 01, 2035 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $49.00 (-99.01%) | $347,000 (+5.15%) Land $51,900 Building $295,100 | $351,215 |
| 2024 | $4,947.00 (+7.8%) | $330,000 (+15.99%) Land $47,200 Building $282,800 | |
| 2023 | $4,589.00 | $284,500 Land $46,500 Building $238,000 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277074001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 3 individual NFIP policies nearby |
| Nearby Flood Policies | 3 in force 3 of 3 on primary residences |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016, rainfall accumulation |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
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