68 Jonathan St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 68 Jonathan St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,787 sqft · built 1920
Lot Size	0.627 acres (27,292 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (May 2021)
Tax Bill	$6,118 (2026)
Deeds & Mortgages	Jan 2022 Refinance May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:14 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:14 L:2`
Alternative APN	`M:N-28 B:0009 L:0010`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,787 sqft Living Area
Gross Area	5,212 sqft
Basement Area	1,326 sqft
Unfinished Basement	1,326 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,292 sqft (0.627 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	68 JONATHAN ST
City	GARDNER
State	MA
Zip	01440-1906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	LAND WEST END LAND & BLDG CO
Legal Block	14
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2002
Census Tract	707400

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	68 JONATHAN ST, GARDNER, MA 01440-1906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Quit Claim Deed, Transfer · Stand-Alone Refinance BAY EQUITY LLC
May 7, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BAY EQUITY LLC
Oct 24, 2019	Deed of Trust, Mortgage · Conventional with PMI WORKERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2021 · Amount on Record
Deed Sale	May 7, 2021 · Amount on Record
Prior Sale	Jun 1, 2005 · Amount on Record
Last Transfer Date	Jan 7, 2022
Transfer Doc	066930-352
Record Updated	Oct 29, 2026

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 12, 2022
Property Address	68 JONATHAN ST, GARDNER, MA 01440-1906
Document Number	066930-348
Book / Page	66930 / 348
Instrument Date	Jan 7, 2022
Instrument	4337
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 JONATHAN ST, GARDNER, MA 01440-1906

Mortgage

Document Number	066930-352
Date	Jan 12, 2022
Book Page	66930/352
Instrument	4338

Lender

Name	BAY EQUITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 7, 2021
Property Address	68 JONATHAN ST, GARDNER, MA 01440-1906
Document Number	65121-101
Book / Page	65121 / 101
Instrument Date	May 7, 2021
Instrument	63784
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	68 JONATHAN ST, GARDNER, MA 01440-1906

Mortgage

Document Number	63785
Date	May 7, 2021
Instrument	63785

Lender

Name	BAY EQUITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	68 JONATHAN ST, GARDNER, MA 01440-1906
Document Number	61315-237
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 JONATHAN ST GARDNER MA 014401906, GARDNER, MA 01440-1906

Mortgage

Document Number	61315-237
Date	Oct 29, 2019
Book Page	061315/000237
Instrument	114556

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2049

Interest

Rate Type	Adjustable Rate

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	$6,118.00 (+10,269.49%)	$444,300 (+8%) Land $95,300 Building $349,000	$493,641 (-8.5%)
2025	$59.00 (-99.02%)	$411,400 (+2.29%) Land $86,600 Building $324,800	$539,505
2024	$6,029.00 (+1.6%)	$402,200 (+9.32%) Land $78,800 Building $323,400
2023	$5,934.00	$367,900 Land $77,600 Building $290,300

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

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.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 272 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

May also be available: Verizon.

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