922 Whitney St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 922 Whitney St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,944 sqft · built 1987
Lot Size	2.1 acres (91,799 sqft)
Owner	Individual Name on Record
Last Sale	$445,000 (Apr 2022)
Tax Bill	$61 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Apr 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W07 B:21 L:5`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W07 B:21 L:5`
Alternative APN	`M:W-02 B:0028 L:0005`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,944 sqft Living Area
Gross Area	4,282 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	91,799 sqft (2.1 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	922 WHITNEY ST
City	GARDNER
State	MA
Zip	01440-3445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	21
Legal Lot Number	5
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2050
Census Tract	707100

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	922 WHITNEY ST, GARDNER, MA 01440-3445
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CORNERSTONE BANK
Apr 29, 2022	Correction Deed
Sep 15, 2021	Quit Claim Deed, Transfer Quitclaim
Mar 31, 2021	Quit Claim Deed, Transfer Quitclaim
Aug 14, 2020	Quit Claim Deed, Transfer · Conventional with PMI CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2022 · Amount on Record
Deed Sale	Apr 29, 2022 · Amount on Record
Prior Sale	Aug 14, 2020 · Amount on Record
Deed Document Number	202247440
Deed Book / Page	67519 / 117
Prior Transfer Date	Apr 21, 2022
Prior Transfer Doc	067519-114
Record Updated	Sep 20, 2026

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 29, 2022
Property Address	922 WHITNEY ST, GARDNER, MA 01440-3445
Document Number	067519-117
Book / Page	67519 / 117
Instrument Date	Apr 29, 2022
Instrument	47440
Transaction Type	Transfer
Record Updated	May 13, 2022

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	2A ARABIAN CT, GOFFSTOWN, NH 03045-2713

Mortgage

Document Number	0000047441
Date	Apr 29, 2022
Instrument	47441

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	May 1, 2032
Max Rate At Change	2.75%
Index	1-Year CMT

April 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 29, 2022
Property Address	922 WHITNEY ST, GARDNER, MA 01440-3445
Document Number	067519-114
Book / Page	67519 / 114
Instrument Date	Apr 21, 2022
Instrument	47438
Record Updated	May 13, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	922 WHITNEY ST, GARDNER, MA 01440-3445

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 15, 2021
Property Address	922 WHITNEY ST, GARDNER, MA 01440-3445
Document Number	66070-259
Book / Page	66070 / 259
Instrument Date	Sep 13, 2021
Instrument	129745
Transaction Type	Transfer
Record Updated	Oct 1, 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	922 WHITNEY ST, GARDNER, MA 01440-3445

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 31, 2021
Property Address	922 WHITNEY ST, GARDNER, MA 01440-3445
Document Number	64823-46
Book / Page	64823 / 46
Instrument Date	Mar 30, 2021
Instrument	44305
Transaction Type	Transfer
Record Updated	May 12, 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	922 WHITNEY ST, GARDNER, MA 01440-3445

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 14, 2020
Property Address	922 WHITNEY ST, GARDNER, MA 01440-3445
Document Number	63024-327
Book / Page	063024 / 000327
Instrument Date	Aug 14, 2020
Instrument	91043
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,541.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 WHITNEY ST GARDNER MA 014403445, GARDNER, MA 01440-3445

Mortgage

Document Number	63024-331
Date	Aug 14, 2020
Book Page	063024/000331
Instrument	91044

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2050

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	$61.00 (-99.05%)	$427,900 (-0.47%) Land $90,700 Building $337,200	$475,095
2024	$6,444.00	$429,900 Land $82,900 Building $347,000

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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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