Worcester County and Gardner City property record for 8 2nd St, Gardner, MA 01440
| Property Type | Triplex |
|---|---|
| Details | 5 bd · 3 ba · 2,403 sqft · built 1920 |
| Lot Size | 0.14 acres (6,100 sqft) |
| Owner | Company Name on Record |
| Last Sale | $465,000 (Mar 2025) |
| Tax Bill | $6,683 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Jun 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:L-22 B:0002 L:0001 |
| Primary APN | M:L-22 B:0002 L:0001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 11 Rooms |
| Units | 3 Units |
| Stories | 3 Stories |
| Building Area | 2,403 sqft Living Area |
| Gross Area | 3,893 sqft |
| Basement Area | 884 sqft |
| Unfinished Basement | 884 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,100 sqft (0.14 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 8 2ND ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3781 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | R1 |
| Legal Block | 17 |
| Legal Lot Number | 43 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 707300 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 37 MARCIA RD, WILMINGTON, MA 01887-1448 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Apr 3, 2026 | Deed of Trust, Mortgage |
| Jun 9, 2021 | Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 22, 2018 | Quit Claim Deed, Transfer DIGITAL FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 14, 2025 · Amount on Record |
| Deed Sale | Mar 14, 2025 · Amount on Record |
| Prior Sale | Jun 9, 2021 · Amount on Record |
| Deed Document Number | 202520141 |
| Deed Book / Page | 71742 / 157 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 3, 2026 |
| Property Address | 8 2ND ST, GARDNER, MA 01440-3781 |
| Document Number | 0073404-46 |
| Book / Page | 73404 / 46 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 202625707 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000025707, |
|---|---|
| Date | Apr 3, 2026 |
| Book Page | 73404/46 |
| Instrument | 202625707 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 9, 2021 |
| Property Address | 8 2ND ST, GARDNER, MA 01440-3781 |
| Document Number | 065347-199 |
| Book / Page | 65347 / 199 |
| Instrument Date | Jun 8, 2021 |
| Instrument | 79608 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Relationship | Tenants in Common |
| Address | 8 2ND ST, GARDNER, MA 01440-3781 |
| Document Number | 0000079609 |
|---|---|
| Date | Jun 9, 2021 |
| Instrument | 79609 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Aug 22, 2018 |
| Property Address | 8 2ND ST, GARDNER, MA 01440-3781 |
| Document Number | 059296-186 |
| Book / Page | 59296 / 186 |
| Instrument | 88360 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25.22 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0592960188 |
|---|---|
| Date | Aug 22, 2018 |
| Instrument | 59296/0188 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Aug 22, 2033 |
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 |
|---|---|---|
| 2026 | $6,683.00 (+9.27%) | $485,300 (+13.95%) Land $72,900 Building $412,400 |
| 2025 | $6,116.00 (+25.9%) | $425,900 (+31.41%) Land $66,200 Building $359,700 |
| 2024 | $4,858.00 (+5.49%) | $324,100 (+13.52%) Land $60,200 Building $263,900 |
| 2023 | $4,605.00 | $285,500 Land $59,300 Building $226,200 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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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