84 Jean St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 84 Jean St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,359 sqft · built 1910
Lot Size	0.185 acres (8,060 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (May 2026)
Tax Bill	$5,799 (2026)
Deeds & Mortgages	Jul 2021 Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:M-25 B:0011 L:0016`

Property Details

APN / Parcel Number

Primary APN	`M:M-25 B:0011 L:0016`
Alternative APN	`GARD M:M27 B:23 L:16`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,359 sqft Living Area
Gross Area	2,405 sqft
Basement Area	806 sqft
Unfinished Basement	806 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Tar & Gravel
Lot Area	8,060 sqft (0.185 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	84 JEAN ST
City	GARDNER
State	MA
Zip	01440-3747
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	23
Legal Lot Number	16
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3018
Census Tract	707400

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	Individual Name on Record
Mailing Address	84 JEAN ST, GARDNER, MA 01440-3747
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
May 4, 2026	Quit Claim Deed, Transfer · Conventional Mortgage AMERICAN NBRHD MORTGAGE ACCPTNC
Dec 16, 2021	Quit Claim Deed, Transfer · FHA Mortgage KELLER MORTGAGE LLC
Jan 3, 2019	Quit Claim Deed, Transfer QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2026 · Amount on Record
Deed Sale	May 4, 2026 · Amount on Record
Prior Sale	Dec 16, 2021 · Amount on Record
Deed Document Number	202634559
Deed Book / Page	73529 / 75
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	84 JEAN ST, GARDNER, MA 01440-3747
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065701-193
Date	Jul 27, 2021
Book Page	65701/193
Instrument	104549

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 4, 2026
Property Address	84 JEAN ST, GARDNER, MA 01440-3747
Document Number	0073529-75
Book / Page	73529 / 75
Instrument Date	Apr 24, 2026
Instrument	2026.34559
Transaction Type	Transfer
Record Updated	May 28, 2026

Transaction

Amount	Amount Recorded
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	84 JEAN ST, GARDNER, MA 01440-3747

Mortgage

Date	May 4, 2026

Lender

Name	AMERICAN NBRHD MORTGAGE ACCPTNC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.22%
Max Rate	-1%

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 16, 2021
Property Address	84 JEAN ST, GARDNER, MA 01440-3747
Document Number	066765-165
Book / Page	66765 / 165
Instrument Date	Dec 16, 2021
Instrument	176163
Transaction Type	Transfer
Record Updated	Dec 31, 2021

Transaction

Amount	Amount Recorded
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	Joint Tenants with Right of Survivorship
Address	84 JEAN ST, GARDNER, MA 01440-3747

Mortgage

Document Number	0000176164
Date	Dec 16, 2021
Instrument	176164

Lender

Name	KELLER MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 3, 2019
Property Address	84 JEAN ST, GARDNER, MA 01440-3747
Document Number	59900-284
Book / Page	059900 / 000284
Instrument Date	Nov 30, 2018
Instrument	585
Transaction Type	Transfer
Record Updated	Jan 22, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$656.64
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 OVERLOOK ST WHITINSVILLE MA 015881817, WHITINSVILLE, MA 01588-1817

Mortgage

Document Number	59900-287
Date	Jan 3, 2019
Book Page	059900/000287
Instrument	586

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2049

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	$5,799.00 (+12,786.67%)	$421,100 (+33.94%) Land $74,100 Building $347,000	$376,541
2025	$45.00 (-99.08%)	$314,400 (-3.82%) Land $67,400 Building $247,000
2024	$4,900.00 (+12.57%)	$326,900 (+21.12%) Land $61,300 Building $265,600
2023	$4,353.00	$269,900 Land $60,400 Building $209,500

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

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

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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