Worcester County and Gardner City property record for 72 Pelley St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,153 sqft · built 1920 |
| Lot Size | 0.124 acres (5,400 sqft) |
| Owner | Individual Name on File |
| Last Sale | $326,000 (Dec 2023) |
| Tax Bill | $4,114 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:L-27 B:0007 L:0002 |
| Primary APN | M:L-27 B:0007 L:0002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,153 sqft Living Area |
| Gross Area | 2,294 sqft |
| Basement Area | 624 sqft |
| Unfinished Basement | 624 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 5,400 sqft (0.124 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 72 PELLEY ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1936 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 17 |
| Legal Lot Number | 64 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 707400 |
72 Pelley St is owned and occupied by an individual who bought it in December 2023.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 72 PELLEY ST, GARDNER, MA 01440-1936 |
| 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 12, 2025 | Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING |
| Dec 15, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage DRAPER AND KRAMER MORTGAGE CORP. |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 15, 2023 · Amount on File |
| Deed Sale | Dec 15, 2023 · Amount on File |
| Prior Sale | Jul 9, 2013 · Amount on File |
| Deed Book / Page | 69999 / 233 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 72 PELLEY ST, GARDNER, MA 01440-1936 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 072956-228 |
|---|---|
| Date | Dec 12, 2025 |
| Book Page | 72956/228 |
| Instrument | 108640 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 15, 2023 |
| Property Address | 72 PELLEY ST, GARDNER, MA 01440-1936 |
| Document Number | 069999-233 |
| Book / Page | 69999 / 233 |
| Instrument Date | Dec 15, 2023 |
| Instrument | 105115 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 72 PELLEY ST, GARDNER, MA 01440-1936 |
| Document Number | 0000105116 |
|---|---|
| Date | Dec 15, 2023 |
| Instrument | 105116 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 72 Pelley St was $4,114, up 3.7% 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 | $4,114.00 (+3.68%) | $298,800 (+8.14%) Land $72,400 Building $226,400 | $322,226 (+5.73%) |
| 2025 | $3,968.00 (+7.07%) | $276,300 (+11.77%) Land $65,800 Building $210,500 | $304,760 |
| 2024 | $3,706.00 (+2.52%) | $247,200 (+10.31%) Land $59,900 Building $187,300 | |
| 2023 | $3,615.00 | $224,100 Land $59,000 Building $165,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 72 Pelley St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
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 risk around 72 Pelley 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 380 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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