Worcester County and Gardner City property record for 64 A St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,588 sqft · built 1915 |
| Lot Size | 0.135 acres (5,871 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $145,000 (Apr 2019) |
| Tax Bill | $3,080 (2026) |
| Deeds & Mortgages | Oct 2022 Refinance May 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:2 L:48 |
| Primary APN | GARD M:M22 B:2 L:48 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,588 sqft Living Area |
| Gross Area | 3,078 sqft |
| Basement Area | 795 sqft |
| Unfinished Basement | 795 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,871 sqft (0.135 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 64 A ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3754 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 2 |
| Legal Lot Number | 48 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 707400 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 64 A ST, GARDNER, MA 01440-3754 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 5, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION |
| May 3, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Apr 26, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE LENDER OF AMERICA LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2019 · Amount on Record |
| Deed Sale | Apr 26, 2019 · Amount on Record |
| Prior Sale | Aug 14, 2009 · Amount on Record |
| Deed Document Number | 201936580 |
| Deed Book / Page | 60319 / 267 |
| Prior Transfer Date | Apr 19, 2019 |
| Prior Transfer Doc | 60319-267 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 64 A ST, GARDNER, MA 01440-3754 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0068313-82 |
|---|---|
| Date | Oct 5, 2022 |
| Book Page | 68313/82 |
| Instrument | 108822 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 64 A ST, GARDNER, MA 01440-3754 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 65076-40 |
|---|---|
| Date | May 3, 2021 |
| Book Page | 65076/40 |
| Instrument | 60752 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 26, 2019 |
| Property Address | 64 A ST, GARDNER, MA 01440-3754 |
| Document Number | 60319-267 |
| Book / Page | 60319 / 267 |
| Instrument Date | Apr 19, 2019 |
| Instrument | 36580 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| 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 | 64 A ST, GARDNER, MA 01440-3754 |
| Document Number | 36581 |
|---|---|
| Date | Apr 26, 2019 |
| Instrument | 36581 |
| Name | MORTGAGE LENDER OF AMERICA LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $3,080.00 (+9,835.48%) | $223,700 (+3.04%) Land $72,700 Building $151,000 | $335,875 (+36.61%) |
| 2025 | $31.00 (-99.02%) | $217,100 (+3.14%) Land $66,100 Building $151,000 | $245,860 |
| 2024 | $3,155.00 (+6.84%) | $210,500 (+14.96%) Land $60,100 Building $150,400 | |
| 2023 | $2,953.00 | $183,100 Land $59,200 Building $123,900 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 | None beyond 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 356 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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