Worcester County and Gardner City property record for 54 Stuart St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1946 |
| Square Footage | 1,021 sqft Living Area |
| Lot Size | 13,200 sqft (0.303 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $200,000 (2020) |
| Tax Bill | $33.00 (2025) |
| Primary APN | GARD M:M27 B:4 L:16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,021 sqft Living Area |
| Gross Area | 2,447 sqft Gross Area |
| Stories | 1 Stories |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 13,200 sqft (0.303 acres) |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Street Address | 54 STUART ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1962 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 4 |
| Legal Lot Number | 16 |
| Jurisdiction | GARDNER MA |
| Minor Civil Division | GARDNER |
| Census Blockgroup | 1 |
| Census Block | 1028 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records · APN GARD M:M27 B:4 L:16
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 | Individual Name on File |
|---|---|
| Mailing Address | 54 STUART ST, GARDNER, MA 01440-1962 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 21, 2020 | Quit Claim Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) GUARANTEED RATE |
| Mar 06, 2019 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) QUAD CTY BK&TR |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 21, 2020 · Amount on Record |
| Deed Sale | Oct 21, 2020 · Amount on Record |
| Deed Doc Number | 2020116702 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 21, 2020 |
| Property Address | 54 STUART ST, GARDNER, MA 01440-1962 |
| Document Number | 0000116702 |
| Instrument Date | Oct 21, 2020 |
| Instrument | 116702 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $912.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 54 STUART ST GARDNER MA 014401962, GARDNER, MA 01440-1962 |
| Document Number | 116703 |
|---|---|
| Date | Oct 21, 2020 |
| Instrument | 116703 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 20, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 54 STUART ST, GARDNER, MA 01440-1962 |
| Document Number | 0000113905 |
| Instrument Date | Mar 06, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 09, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 54 STUART ST GARDNER MA 014401962, GARDNER, MA 01440-1962 |
| Document Number | 0000113905 |
|---|---|
| Date | Mar 26, 2019 |
| Instrument | 113905 |
| Name | QUAD CTY BK&TR |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 25, 2034 |
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 | $33.00 (-99.02%) | $236,400 (+5.07%) Land $52,800 Building $183,600 | $286,995 |
| 2024 | $3,373.00 (+5.41%) | $225,000 (+13.41%) Land $48,100 Building $176,900 | |
| 2023 | $3,200.00 | $198,400 Land $47,400 Building $151,000 |
54 Stuart St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Worcester County (25027C), updated November 30, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 58th in Massachusetts |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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