8 Coleman St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 8 Coleman St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,924 sqft · built 1922
Lot Size	0.176 acres (7,655 sqft)
Owner	Company Name on File
Last Sale	$295,000 (Sep 2026)
Tax Bill	$4,186 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:23 L:1`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:23 L:1`
Alternative APN	`M:M-25 B:0001 L:0001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,924 sqft Living Area
Gross Area	4,200 sqft
Basement Area	962 sqft
Unfinished Basement	962 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,655 sqft (0.176 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	8 COLEMAN ST
City	GARDNER
State	MA
Zip	01440-3710
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	23
Legal Lot Number	1
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3018
Census Tract	707400

Owner

8 Coleman St, a duplex, is owned by a company that bought it in September 2026.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	125 NARROW LN, PHILLIPSTON, MA 01331-9458
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage
Sep 17, 2026	Quit Claim Deed, Transfer · Conventional Mortgage
Jul 7, 2023	Deed, Transfer · Stand-Alone First Mortgage DIGITAL FCU
Oct 22, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVISION BANK
Oct 22, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2026 · Amount on File
Deed Sale	Sep 17, 2026 · Amount on File
Prior Sale	Jul 7, 2023 · Amount on File
Deed Document Number	202681534
Deed Book / Page	74180 / 68
Prior Transfer Date	Sep 14, 2026
Prior Transfer Doc	0000081534
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Sep 17, 2026
Property Address	8 COLEMAN ST, GARDNER, MA 01440-3710
Document Number	0000081535
Book / Page	74180 / 71
Instrument Date	Sep 17, 2026
Instrument	202681535
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000081535,
Date	Sep 17, 2026
Book Page	74180/71
Instrument	202681535

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	24 Months
Due	Oct 1, 2028

Interest

Max Rate	-1%

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 17, 2026
Property Address	8 COLEMAN ST, GARDNER, MA 01440-3710
Document Number	0000081534
Book / Page	74180 / 68
Instrument Date	Sep 14, 2026
Instrument	202681534
Transaction Type	Transfer
Record Updated	Oct 6, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 NARROW LN, PHILLIPSTON, MA 01331-9458

Mortgage

Document Number	0000081535,
Date	Sep 17, 2026
Book Page	74180/71
Instrument	202681535

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	24 Months
Due	Oct 1, 2028

Interest

Max Rate	-1%

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 7, 2023
Property Address	8 COLEMAN ST, GARDNER, MA 01440-3710
Document Number	0069356-17
Book / Page	69356 / 17
Instrument Date	Jul 7, 2023
Instrument	54206
Transaction Type	Transfer
Record Updated	Jul 21, 2023

Transaction

Amount	Amount on Record
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	8 COLEMAN ST, GARDNER, MA 01440-3710

Mortgage

Document Number	0000054207
Date	Jul 7, 2023
Instrument	54207

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 22, 2021
Property Address	8 COLEMAN ST, GARDNER, MA 01440-3710
Document Number	66359-100
Book / Page	66359 / 100
Instrument Date	Oct 22, 2021
Instrument	148898
Transaction Type	Transfer
Record Updated	Nov 5, 2021

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	25 TOY TOWN LN, WINCHENDON, MA 01475-2801

Mortgage

Document Number	148900
Date	Oct 22, 2021
Instrument	148900

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 22, 2021
Property Address	8 COLEMAN ST, GARDNER, MA 01440-3710
Document Number	66359-93
Book / Page	66359 / 93
Instrument Date	Oct 18, 2021
Instrument	148896
Transaction Type	Transfer
Record Updated	Nov 5, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 COLEMAN ST, GARDNER, MA 01440-3710

Tax Assessment & Valuation

The 2026 property tax bill for 8 Coleman St was $4,186, up 11,527.8% from the year before.

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	$4,186.00 (+11,527.78%)	$304,000 (+20.11%) Land $73,900 Building $230,100	$334,018
2025	$36.00 (-99.02%)	$253,100 (+3.73%) Land $67,100 Building $186,000
2024	$3,658.00 (+3.98%)	$244,000 (+11.88%) Land $61,100 Building $182,900
2023	$3,518.00	$218,100 Land $60,200 Building $157,900

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

Flood

FEMA maps place 8 Coleman St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 8 Coleman 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.

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 519 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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