64 Snake Pond Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 64 Snake Pond Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,568 sqft · built 2002
Lot Size	0.93 acres (40,523 sqft)
Owner	2 Individual Names on Record
Last Sale	$269,900 (Oct 2018)
Tax Bill	$6,184 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Dec 2021 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`GARD M:H17 B:25 L:5`

Property Details

APN / Parcel Number

Primary APN	`GARD M:H17 B:25 L:5`
Alternative APN	`M:J-15 B:0004 L:0005`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,568 sqft Living Area
Gross Area	3,178 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,523 sqft (0.93 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	64 SNAKE POND RD
City	GARDNER
State	MA
Zip	01440-2887
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	25
Legal Lot Number	5
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1015
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	2 Individual Names on Record
Mailing Address	64 SNAKE POND RD, GARDNER, MA 01440-2887
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · Line of Credit
Dec 7, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Sep 29, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Jun 19, 2019	Deed of Trust, Mortgage · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES
Oct 10, 2018	Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2018 · Amount on Record
Deed Sale	Oct 10, 2018 · Amount on Record
Prior Sale	Jun 18, 2003 · Amount on Record
Deed Document Number	2018107610
Deed Book / Page	59528 / 57
Transfer Doc	0059528-57
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Jul 1, 2026
Property Address	64 SNAKE POND RD, GARDNER, MA 01440-2887
Document Number	0000054677
Book / Page	73811 / 17
Instrument Date	Jun 20, 2026
Instrument	202654677
Transaction Type	Mortgage
Record Updated	Jul 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 SNAKE POND RD, GARDNER, MA 01440-2887

Mortgage

Document Number	0000054677,
Date	Jul 1, 2026
Book Page	73811/17
Instrument	202654677

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

Rate	5.85%
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	64 SNAKE POND RD, GARDNER, MA 01440-2887
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066696-127
Date	Dec 7, 2021
Book Page	66696/127
Instrument	171235

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	64 SNAKE POND RD, GARDNER, MA 01440-2887
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068280-247
Date	Sep 29, 2022
Book Page	68280/247
Instrument	106460

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2042

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	64 SNAKE POND RD, GARDNER, MA 01440-2887
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60570-66
Date	Jun 19, 2019
Book Page	60570/66
Instrument	56700

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jul 1, 2048

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 10, 2018
Property Address	64 SNAKE POND RD, GARDNER, MA 01440-2887
Document Number	59528-57
Book / Page	59528 / 57
Instrument	107610
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40.88
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	595280060
Date	Oct 10, 2018
Instrument	59528/0060

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2048

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	$6,184.00 (+10,942.86%)	$449,100 (+13.38%) Land $74,300 Building $374,800	$469,880 (+28.1%)
2025	$56.00 (-99.04%)	$396,100 (+1.38%) Land $67,500 Building $328,600	$366,795
2024	$5,857.00 (+7.53%)	$390,700 (+15.69%) Land $61,500 Building $329,200
2023	$5,447.00	$337,700 Land $60,500 Building $277,200

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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