Worcester County and Gardner City property record for 81 Ryan St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 896 sqft · built 1930 |
| Lot Size | 0.365 acres (15,910 sqft) |
| Owner | Individual Name on File |
| Last Sale | $82,000 (Nov 2016) |
| Tax Bill | $33 (2025) |
| Deeds & Mortgages | Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:H32 B:20 L:8 |
| Primary APN | GARD M:H32 B:20 L:8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 896 sqft Living Area |
| Gross Area | 1,596 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,910 sqft (0.365 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 81 RYAN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 20 |
| Legal Lot Number | 8 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records · APN GARD M:H32 B:20 L:8
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 81 RYAN ST, GARDNER, MA 01440-1513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 03, 2016 · Amount on Record |
| Deed Sale | Nov 03, 2016 · Amount on Record |
| Deed Book / Page | 56253 / 301 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 81 RYAN ST, GARDNER, MA 01440-1513 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59388-37 |
|---|---|
| Date | Sep 12, 2018 |
| Book Page | 59388/37 |
| Instrument | 95981 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 01, 2048 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $33.00 (-99.02%) | $236,600 (+5.44%) Land $72,100 Building $164,500 | $232,655 |
| 2024 | $3,364.00 (+7.17%) | $224,400 (+15.31%) Land $65,600 Building $158,800 | |
| 2023 | $3,139.00 | $194,600 Land $64,700 Building $129,900 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277074001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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 |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 147 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 2,000 |
| Gateway Fiber Holdings | Fiber | 2,000 / 2,000 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
4G LTE (outdoors only), no 5G reported
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