7 Jackson St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 7 Jackson St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 990 sqft · built 1850
Lot Size	0.234 acres (10,175 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Jun 2026)
Tax Bill	$3,650 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:N-31 B:0005 L:0022`

Property Details

APN / Parcel Number

Primary APN	`M:N-31 B:0005 L:0022`
Alternative APN	`GARD M:M32 B:24 L:22`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	990 sqft Living Area
Gross Area	2,620 sqft
Basement Area	550 sqft
Unfinished Basement	550 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,175 sqft (0.234 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	7 JACKSON ST
City	GARDNER
State	MA
Zip	01440-1613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	22
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1029
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	2 Individual Names on Record
Mailing Address	7 JACKSON ST, GARDNER, MA 01440-1613
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Quit Claim Deed, Transfer · Conventional Mortgage MUTUAL HOME MORTGAGE
Sep 7, 2017	Quit Claim Deed, Transfer I-C FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2026 · Amount on Record
Deed Sale	Jun 9, 2026 · Amount on Record
Prior Sale	Sep 7, 2017 · Amount on Record
Deed Document Number	202646420
Deed Book / Page	73694 / 321
Transfer Doc	057696-285
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 9, 2026
Property Address	7 JACKSON ST, GARDNER, MA 01440-1613
Document Number	073694-321
Book / Page	73694 / 321
Instrument Date	Jun 1, 2026
Instrument	202646420
Transaction Type	Transfer
Record Updated	Jul 1, 2026

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	7 JACKSON ST, GARDNER, MA 01440-1613

Mortgage

Date	Jun 9, 2026

Lender

Name	MUTUAL HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.23%
Max Rate	-1%

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 7, 2017
Property Address	7 JACKSON ST, GARDNER, MA 01440-1613
Document Number	57696-285
Book / Page	57696 / 285
Instrument	98318
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24.94
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 JACKSON ST, GARDNER, MA 01440-1613

Mortgage

Document Number	576960288
Date	Sep 7, 2017
Instrument	57696/0288

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 7, 2047

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	$3,650.00 (+10,635.29%)	$265,100 (+8.87%) Land $75,500 Building $189,600	$314,072 (+13.73%)
2025	$34.00 (-98.99%)	$243,500 (+8.56%) Land $68,600 Building $174,900	$276,165
2024	$3,362.00 (+2.22%)	$224,300 (+1%) Land $62,400 Building $161,900
2023	$3,289.00	$203,900 Land $61,500 Building $142,400

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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