Worcester County and Gardner City property record for 56 Dyer St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,704 sqft · built 1941 |
| Lot Size | 0.898 acres (39,138 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $500,000 (Dec 2024) |
| Tax Bill | $5,682 (2026) |
| Deeds & Mortgages | Dec 2024 Sale & Mortgage Sep 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R17 B:21 L:6 |
| Primary APN | GARD M:R17 B:21 L:6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,704 sqft Living Area |
| Gross Area | 3,148 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 39,138 sqft (0.898 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 56 DYER ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 21 |
| Legal Lot Number | 6 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 707100 |
Source: Worcester County and Gardner City records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 56 DYER ST, GARDNER, MA 01440-3208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Dec 30, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage WORKERS CU |
| Sep 29, 2023 | Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Apr 11, 2017 | Deed of Trust, Mortgage · Closed-End Mortgage DIGITAL FCU |
| Aug 12, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance BAY STATE SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 2024 · Amount on Record |
| Deed Sale | Dec 30, 2024 · Amount on Record |
| Prior Sale | Sep 29, 2023 · Amount on Record |
| Deed Book / Page | 71478 / 16 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 30, 2024 |
| Property Address | 56 DYER ST, GARDNER, MA 01440-3208 |
| Document Number | 0071478-16 |
| Book / Page | 71478 / 16 |
| Instrument Date | Dec 30, 2024 |
| Instrument | 108792 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 56 DYER ST, GARDNER, MA 01440-3208 |
| Document Number | 0000108793 |
|---|---|
| Date | Dec 30, 2024 |
| Instrument | 108793 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Jan 1, 2032 |
| Max Rate At Change | 2.75% |
| Index | 1-Year CMT |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Sep 29, 2023 |
| Property Address | 56 DYER ST, GARDNER, MA 01440-3208 |
| Document Number | 00069701-1 |
| Book / Page | 69701 / 1 |
| Instrument Date | Sep 28, 2023 |
| Instrument | 81120 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 56 DYER ST, GARDNER, MA 01440-3208 |
| Document Number | 0000081121 |
|---|---|
| Date | Sep 29, 2023 |
| Instrument | 81121 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 56 DYER ST, GARDNER, MA 01440-3208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 56962-319 |
|---|---|
| Date | Apr 11, 2017 |
| Book Page | 56962/319 |
| Instrument | 36068 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 1, 2057 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 56 DYER ST, GARDNER, MA 01440-3208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60865-209 |
|---|---|
| Date | Aug 12, 2019 |
| Book Page | 60865/209 |
| Instrument | 80140 |
| Name | BAY STATE SAVINGS BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
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 | $5,682.00 (+10,422.22%) | $412,600 (+9.01%) Land $92,400 Building $320,200 | $437,813 (-0.03%) |
| 2025 | $54.00 (-99.03%) | $378,500 (+2.27%) Land $84,100 Building $294,400 | $437,950 |
| 2024 | $5,548.00 (+5.54%) | $370,100 (+13.56%) Land $76,500 Building $293,600 | |
| 2023 | $5,257.00 | $325,900 Land $75,300 Building $250,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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.
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 | Indirect within 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 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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