57 Kendall St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 57 Kendall St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 960 sqft · built 1985
Lot Size	0.255 acres (11,110 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Jul 2025)
Tax Bill	$4,997 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Feb 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:12 L:9`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:12 L:9`
Alternative APN	`M:R-17 B:0007 L:0009`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,238 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,110 sqft (0.255 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	57 KENDALL ST
City	GARDNER
State	MA
Zip	01440-4114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	12
Legal Lot Number	9
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2057
Census Tract	707100

Owner

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	57 KENDALL ST, GARDNER, MA 01440-4114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2025	Quit Claim Deed, Transfer · Conventional Mortgage TOTAL MORTGAGE SERVICES LLC
Feb 25, 2025	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2025 · Amount on Record
Deed Sale	Jul 30, 2025 · Amount on Record
Prior Sale	Feb 25, 2025 · Amount on Record
Deed Book / Page	72325 / 63
Prior Transfer Date	Feb 21, 2025
Prior Transfer Doc	071671-331
Record Updated	Oct 29, 2026

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 30, 2025
Property Address	57 KENDALL ST, GARDNER, MA 01440-4114
Document Number	0072325-63
Book / Page	72325 / 63
Instrument Date	Jul 30, 2025
Instrument	62983
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 KENDALL ST, GARDNER, MA 01440-4114
Investor	Possibly a Property Investor

Mortgage

Document Number	0000062984
Date	Jul 30, 2025
Instrument	62984

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Mortgage

Document Number	0072325-86
Date	Jul 30, 2025
Book Page	72325/86
Instrument	62985

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2040

February 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 25, 2025
Property Address	57 KENDALL ST, GARDNER, MA 01440-4114
Document Number	071671-331
Book / Page	71671 / 331
Instrument Date	Feb 21, 2025
Instrument	14674
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 TEABERRY LN, GARDNER, MA 01440-4221

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Gardner City
Unified School District	Gardner School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,997.00 (+5.16%)	$362,900 (+9.67%) Land $76,100 Building $286,800	$376,739 (+4.09%)
2025	$4,752.00 (+4.97%)	$330,900 (+9.57%) Land $69,200 Building $261,700	$361,950
2024	$4,527.00 (+8.41%)	$302,000 (+16.65%) Land $62,900 Building $239,100
2023	$4,176.00	$258,900 Land $62,000 Building $196,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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.

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

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