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78 Douglas Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 78 Douglas Rd, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,386 sqft · built 1940
Lot Size0.149 acres (6,500 sqft)
Owner2 Individual Names on File
Last Sale$285,000 (Apr 2022)
Tax Bill$41 (2025)
Deeds & MortgagesAug 2021 Refinance
Apr 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNGARD M:M27 B:22 L:6

Property Details

APN / Parcel Number

Primary APNGARD M:M27 B:22 L:6
Alternative APN
  • M:L-25 B:0008 L:0006

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,386 sqft Living Area
Gross Area2,856 sqft

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1940
Architectural StyleCape Cod
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area6,500 sqft (0.149 acres)

Utilities, Heating & Cooling

Heating SystemSteam
Heating FuelOil

Location & Zoning

Street Address78 DOUGLAS RD
CityGARDNER
StateMA
Zip01440-1857
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block22
Legal Lot Number6
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group3
Census Block3012
Census Tract707400

Owner

Source: Worcester County and Gardner City records · APN GARD M:M27 B:22 L:6

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address78 DOUGLAS RD, GARDNER, MA 01440-1857
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 09, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
NAVY FCU
Apr 11, 2022Quit Claim Deed, Transfer · Stand-Alone First Mortgage
GFA FEDERAL CREDIT UNION
Aug 17, 2018Quit Claim Deed, Transfer · VA Mortgage
NAVY FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 11, 2022 · Amount on Record
Deed SaleApr 11, 2022 · Amount on Record
Prior SaleAug 17, 2018 · Amount on Record
Deed Book / Page67413 / 132
Record UpdatedJun 08, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Property Address78 DOUGLAS RD, GARDNER, MA 01440-1857
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number065791-350
DateAug 09, 2021
Book Page65791/350
Instrument110986
Lender
NameNAVY FCU
TypeCredit Union
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueSep 01, 2051

April 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateApr 11, 2022
Property Address78 DOUGLAS RD, GARDNER, MA 01440-1857
Document Number067413-132
Book / Page67413 / 132
Instrument DateApr 11, 2022
Instrument39626
Transaction TypeTransfer
Record UpdatedNov 20, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Venture
Address78 DOUGLAS RD, GARDNER, MA 01440-1857
InvestorPossibly a Property Investor

Mortgage

Document Number0000039627
DateApr 11, 2022
Instrument39627
Lender
NameGFA FEDERAL CREDIT UNION
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

August 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateAug 17, 2018
Property Address78 DOUGLAS RD, GARDNER, MA 01440-1857
Document Number59273-351
Book / Page059273 / 000351
Instrument DateAug 17, 2018
Instrument86349
Transaction TypeTransfer
Record UpdatedSep 04, 2018

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$911.54
Amount AccuracyConfirmed
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address78 DOUGLAS RD GARDNER MA 014401857, GARDNER, MA 01440-1857

Mortgage

Document Number59273-355
DateAug 17, 2018
Book Page059273/000355
Instrument86350
Lender
NameNAVY FCU
TypeCredit Union
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 16, 2048

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$41.00 (-99.01%)$291,600 (+5.23%) Land $66,500 Building $225,100$340,195
2024$4,154.00 (-2.92%)$277,100 (+4.45%) Land $60,400 Building $216,700
2023$4,279.00$265,300 Land $59,500 Building $205,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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