Worcester County and Gardner City property record for 54 Ryan St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1983 |
| Lot Size | 0.287 acres (12,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $339,900 (Jun 2024) |
| Tax Bill | $45 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:J-30 B:0075A L:0010 |
| Primary APN | M:J-30 B:0075A L:0010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Gross Area | 2,104 sqft |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,500 sqft (0.287 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 54 RYAN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1553 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 25 |
| Legal Lot Number | 10 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records · APN M:J-30 B:0075A L:0010
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 | 54 RYAN ST, GARDNER, MA 01440-1553 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 18, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF CANTON |
| Jun 30, 2017 | Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 28, 2024 · Amount on Record |
| Deed Sale | Jun 28, 2024 · Amount on Record |
| Prior Sale | Nov 18, 2021 · Amount on Record |
| Deed Book / Page | 70697 / 343 |
| Record Updated | Jun 08, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Nov 18, 2021 |
| Property Address | 54 RYAN ST, GARDNER, MA 01440-1553 |
| Document Number | 66558-76 |
| Book / Page | 66558 / 76 |
| Instrument Date | Nov 18, 2021 |
| Instrument | 161875 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2021 |
| 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 |
|---|---|
| Address | 54 RYAN ST, GARDNER, MA 01440-1553 |
| Investor | Possibly a Property Investor |
| Document Number | 161876 |
|---|---|
| Date | Nov 18, 2021 |
| Instrument | 161876 |
| Name | BANK OF CANTON |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0066558-91 |
|---|---|
| Date | Nov 18, 2021 |
| Book Page | 66558/91 |
| Instrument | 161877 |
| Name | BANK OF CANTON |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 30, 2017 |
| Property Address | 54 RYAN ST, GARDNER, MA 01440-1553 |
| Document Number | 57351-268 |
| Book / Page | 057351 / 000268 |
| Instrument Date | Jun 30, 2017 |
| Instrument | 69061 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $768.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 54 RYAN ST GARDNER MA 014401553, GARDNER, MA 01440-1553 |
| Document Number | 57351-271 |
|---|---|
| Date | Jun 30, 2017 |
| Book Page | 057351/000271 |
| Instrument | 69062 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 29, 2047 |
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 | $45.00 (-98.99%) | $318,400 (+7.1%) Land $70,000 Building $248,400 | $315,590 |
| 2024 | $4,457.00 (+9%) | $297,300 (+17.28%) Land $63,700 Building $233,600 | |
| 2023 | $4,089.00 | $253,500 Land $62,800 Building $190,700 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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