70 Jerome Ave, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 70 Jerome Ave, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,425 sqft · built 1942
Lot Size	0.49 acres (21,346 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Dec 2021)
Tax Bill	$6,561 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:S-12 B:0002 L:0025`

Property Details

APN / Parcel Number

Primary APN	`M:S-12 B:0002 L:0025`
Alternative APN	`GARD M:R12 B:14 L:28`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,425 sqft Living Area
Gross Area	3,199 sqft
Basement Area	1,030 sqft
Unfinished Basement	1,030 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,346 sqft (0.49 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	70 JEROME AVE
City	GARDNER
State	MA
Zip	01440-3550
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	14
Legal Lot Number	28
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1039
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	70 JEROME AVE, GARDNER, MA 01440-3550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Feb 13, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Dec 28, 2021	Quit Claim Deed, Transfer · FHA Mortgage NATIONS LENDING CORP
Oct 4, 2018	Trustee's Deed, Transfer · FHA Mortgage FIRST ALLIANCE LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2021 · Amount on Record
Deed Sale	Dec 28, 2021 · Amount on Record
Prior Sale	Oct 4, 2018 · Amount on Record
Deed Document Number	2021181181
Deed Book / Page	66835 / 224
Prior Transfer Date	Dec 27, 2021
Prior Transfer Doc	066835-224
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Aug 27, 2026
Property Address	70 JEROME AVE, GARDNER, MA 01440-3550
Document Number	0000074984
Book / Page	74091 / 387
Instrument Date	Aug 20, 2026
Instrument	202674984
Transaction Type	Mortgage
Record Updated	Sep 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 JEROME AVE, GARDNER, MA 01440-3550

Mortgage

Document Number	0000074984,
Date	Aug 27, 2026
Book Page	74091/387
Instrument	202674984

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Sep 1, 2052

Interest

Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	70 JEROME AVE, GARDNER, MA 01440-3550
Transaction Type	Mortgage
Record Updated	Mar 1, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070190-251
Date	Feb 13, 2024
Book Page	70190/251
Instrument	10900

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Mar 1, 2052

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 28, 2021
Property Address	70 JEROME AVE, GARDNER, MA 01440-3550
Document Number	066835-224
Book / Page	66835 / 224
Instrument Date	Dec 27, 2021
Instrument	181181
Transaction Type	Transfer
Record Updated	Jan 14, 2022

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	70 JEROME AVE, GARDNER, MA 01440-3550

Mortgage

Document Number	0000181182
Date	Dec 28, 2021
Instrument	181182

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 4, 2018
Property Address	70 JEROME AVE, GARDNER, MA 01440-3550
Document Number	59508-321
Book / Page	059508 / 000321
Instrument Date	Sep 28, 2018
Instrument	105870
Transaction Type	Transfer
Record Updated	Oct 23, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,048.34
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 JEROME AVE GARDNER MA 014403550, GARDNER, MA 01440-3550

Mortgage

Document Number	59508-325
Date	Oct 4, 2018
Book Page	059508/000325
Instrument	105871

Lender

Name	FIRST ALLIANCE LNDG

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 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	$6,561.00 (+9,993.85%)	$476,500 (+4.52%) Land $91,100 Building $385,400	$454,785 (+15.89%)
2025	$65.00 (-98.98%)	$455,900 (+6.89%) Land $82,800 Building $373,100	$392,445
2024	$6,393.00 (+8.41%)	$426,500 (+16.66%) Land $75,300 Building $351,200
2023	$5,897.00	$365,600 Land $74,200 Building $291,400

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	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 237 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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