8 Olney St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1983
Lot Size	0.117 acres (5,075 sqft)
Owner	2 Company Names on Record
Last Sale	$110,000 (Feb 2018)
Tax Bill	$3,628 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Sep 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:9 L:4`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:9 L:4`
Alternative APN	`M:T-18 B:0001 L:0003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
Gross Area	1,538 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,075 sqft (0.117 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	8 OLNEY ST
City	GARDNER
State	MA
Zip	01440-3314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	9
Legal Lot Number	4
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2002
Census Tract	707100

Owner

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	2 Company Names on Record
Mailing Address	8 OLNEY ST, GARDNER, MA 01440-3314
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ATHOL SAVINGS BANK
Sep 15, 2025	Quit Claim Deed, Transfer Quitclaim
Jul 23, 2019	Deed of Trust, Mortgage · Line of Credit ATHOL SAVINGS BANK
Feb 5, 2018	Quit Claim Deed, Transfer ATHOL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2018 · Amount on Record
Deed Sale	Feb 5, 2018 · Amount on Record
Deed Book / Page	58403 / 351
Last Transfer Date	Aug 28, 2025
Transfer Doc	072533-159
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	8 OLNEY ST, GARDNER, MA 01440-3314
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069370-233
Date	Jul 12, 2023
Book Page	69370/233
Instrument	55331

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2038

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 15, 2025
Property Address	8 OLNEY ST, GARDNER, MA 01440-3314
Document Number	072533-159
Book / Page	72533 / 159
Instrument Date	Aug 28, 2025
Instrument	78621
Transaction Type	Transfer
Record Updated	Oct 8, 2025

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	8 OLNEY ST, GARDNER, MA 01440-3314
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60748-155
Date	Jul 23, 2019
Book Page	60748/155
Instrument	71117

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2039

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 5, 2018
Property Address	8 OLNEY ST, GARDNER, MA 01440-3314
Document Number	58403-351
Book / Page	58403 / 351
Instrument	11723
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22.26
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 OLNEY ST, GARDNER, MA 01440-3314

Mortgage

Document Number	584030355
Date	Feb 5, 2018
Instrument	58403/0355

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Feb 5, 2043

Tax Assessment & Valuation

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	$3,628.00 (-0.22%)	$263,500 (+4.07%) Land $72,200 Building $191,300	$275,813 (+15.99%)
2025	$3,636.00 (+4.9%)	$253,200 (+9.52%) Land $65,600 Building $187,600	$237,785
2024	$3,466.00 (+7.81%)	$231,200 (+16.01%) Land $59,700 Building $171,500
2023	$3,215.00	$199,300 Land $58,800 Building $140,500

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

Flood

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	2 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

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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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