Worcester County and Gardner City property record for 70 Leamy St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,297 sqft · built 1900 |
| Lot Size | 0.488 acres (21,256 sqft) |
| Owner | Individual Name on File |
| Last Sale | $98,000 (Jul 2017) |
| Tax Bill | $3,839 (2026) |
| Deeds & Mortgages | Dec 2025 Second Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:L-22 B:0010 L:0048 |
| Primary APN | M:L-22 B:0010 L:0048 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,297 sqft Living Area |
| Gross Area | 2,503 sqft |
| Basement Area | 822 sqft |
| Unfinished Basement | 822 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,256 sqft (0.488 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 70 LEAMY ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 12 |
| Legal Lot Number | 48 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 707300 |
70 Leamy St is owned and occupied by an individual who bought it in July 2017.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 70 LEAMY ST, GARDNER, MA 01440-2516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 4, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage WORKERS CU |
| Apr 6, 2022 | Deed of Trust, Mortgage · ARM UNIBANK FOR SAVINGS |
| Jul 31, 2017 | Deed, Transfer VILLAGE MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2017 · Amount on File |
| Deed Sale | Jul 31, 2017 · Amount on File |
| Deed Document Number | 201782602 |
| Deed Book / Page | 57511 / 136 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 70 LEAMY ST, GARDNER, MA 01440-2516 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 072919-385 |
|---|---|
| Date | Dec 4, 2025 |
| Book Page | 72919/385 |
| Instrument | 105933 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 109 Months |
| Due | Jan 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 70 LEAMY ST, GARDNER, MA 01440-2516 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0067394-61 |
|---|---|
| Date | Apr 6, 2022 |
| Book Page | 67394/61 |
| Instrument | 38182 |
| Name | UNIBANK FOR SAVINGS |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | May 1, 2032 |
| Index | 1-Year CMT |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 31, 2017 |
| Property Address | 70 LEAMY ST, GARDNER, MA 01440-2516 |
| Document Number | 57511-136 |
| Book / Page | 57511 / 136 |
| Instrument | 82602 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25.95 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 70 LEAMY ST, GARDNER, MA 01440-2516 |
| Document Number | 575110139 |
|---|---|
| Date | Jul 31, 2017 |
| Instrument | 57511/0139 |
| Name | VILLAGE MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Jul 31, 2047 |
The 2026 property tax bill for 70 Leamy St was $3,839, up 3.9% from the year before.
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 | $3,839.00 (+3.87%) | $278,800 (+8.31%) Land $78,600 Building $200,200 | $324,293 (+23.68%) |
| 2025 | $3,696.00 (+1.93%) | $257,400 (+6.41%) Land $71,500 Building $185,900 | $262,200 |
| 2024 | $3,626.00 (+2.89%) | $241,900 (+10.71%) Land $65,000 Building $176,900 | |
| 2023 | $3,524.00 | $218,500 Land $64,000 Building $154,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 70 Leamy St in Zone X, an area of minimal flood risk.
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 | 4 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 risk around 70 Leamy St is low, with a 0.01% annual chance of 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 | 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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