86 Stone St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 86 Stone St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,200 sqft · built 1955
Lot Size	4.57 acres (199,392 sqft)
Owner	Individual Name on Record
Last Sale	$124,900 (Oct 2017)
Tax Bill	$43 (2025)
Deeds & Mortgages	Aug 2020 Refinance Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R37 B:2 L:5`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R37 B:2 L:5`
Alternative APN	`M:R-37 B:0002 L:0005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	2,850 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	199,392 sqft (4.57 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	86 STONE ST
City	GARDNER
State	MA
Zip	01440-1155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	5
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1002
Census Tract	707500

Owner

Source: Worcester County and Gardner City records, as of April 14, 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	86 STONE ST, GARDNER, MA 01440-1155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU
Oct 2, 2017	Quit Claim Deed, Transfer HOMEBRIDGE FINANCIAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2017 · Amount on Record
Deed Sale	Oct 2, 2017 · Amount on Record
Prior Sale	Jun 29, 2016 · Amount on Record
Deed Book / Page	57822 / 214
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	86 STONE ST, GARDNER, MA 01440-1155
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	063046-252
Date	Aug 18, 2020
Book Page	63046/252
Instrument	92414

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 2, 2017
Property Address	86 STONE ST, GARDNER, MA 01440-1155
Document Number	57822-214
Book / Page	57822 / 214
Instrument	108816
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$33.65
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 STONE ST, GARDNER, MA 01440-1155

Mortgage

Document Number	578220217
Date	Oct 2, 2017
Instrument	57822/0217

Lender

Name	HOMEBRIDGE FINANCIAL

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2047

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
2025	$43.00 (-99.01%)	$303,500 (+4.87%) Land $85,600 Building $217,900	$575,415
2024	$4,338.00 (+7.88%)	$289,400 (+16.09%) Land $79,400 Building $210,000
2023	$4,021.00	$249,300 Land $75,200 Building $174,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Stone St

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