94 Lynde St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 94 Lynde St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 1,967 sqft · built 1850
Lot Size	0.342 acres (14,893 sqft)
Owner	Company Name on Record
Last Sale	$235,000 (Jan 2025)
Tax Bill	$4,435 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Oct 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M:P-25 B:0005 L:0031`

Property Details

APN / Parcel Number

Primary APN	`M:P-25 B:0005 L:0031`
Alternative APN	`GARD M:R27 B:21 L:31`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,967 sqft Living Area
Gross Area	5,237 sqft
Basement Area	1,271 sqft
Unfinished Basement	1,271 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,893 sqft (0.342 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	94 LYNDE ST
City	GARDNER
State	MA
Zip	01440-2242
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Block	21
Legal Lot Number	31
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2004
Census Tract	707200

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	Company Name on Record
Mailing Address	98 PLEASANT ST, LEOMINSTER, MA 01453-3546
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 27, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 3, 2026	Deed of Trust, Mortgage RFLF 4 LLC
Sep 5, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance MOLINA LANDMARK LLC
Sep 6, 2019	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Jun 27, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2025 · Amount on Record
Deed Sale	Jan 22, 2025 · Amount on Record
Prior Sale	Sep 6, 2019 · Amount on Record
Deed Document Number	20255540
Deed Book / Page	71556 / 107
Prior Transfer Date	Dec 27, 2024
Prior Transfer Doc	071556-107
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	94 LYNDE ST, GARDNER, MA 01440-2242
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068510-297
Date	Nov 21, 2022
Book Page	68510/297
Instrument	124406

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Dec 1, 2062

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	94 LYNDE ST, GARDNER, MA 01440-2242
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069812-271
Date	Oct 27, 2023
Book Page	69812/271
Instrument	89907

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Nov 1, 2063

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	94 LYNDE ST, GARDNER, MA 01440-2242
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073158-111
Date	Feb 3, 2026
Book Page	73158/111
Instrument	8664

Lender

Name	RFLF 4 LLC

Agreement

Amount	Amount Recorded

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	94 LYNDE ST, GARDNER, MA 01440-2242
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070988-396
Date	Sep 5, 2024
Book Page	70988/396
Instrument	72128

Lender

Name	MOLINA LANDMARK LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 6, 2019
Property Address	94 LYNDE ST, GARDNER, MA 01440-2242
Document Number	61010-54
Book / Page	61010 / 54
Instrument Date	Sep 6, 2019
Instrument	91357
Transaction Type	Transfer
Record Updated	May 12, 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
Address	94 LYNDE ST, GARDNER, MA 01440-2242

Mortgage

Document Number	91358
Date	Sep 6, 2019
Instrument	91358

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 27, 2017
Property Address	94 LYNDE ST, GARDNER, MA 01440-2242
Document Number	57320-192
Book / Page	057320 / 000192
Instrument Date	Jun 14, 2017
Instrument	66608
Transaction Type	Transfer
Record Updated	Jul 18, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	94 LYNDE ST GARDNER MA 014402242, GARDNER, MA 01440-2242

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	$4,435.00 (+10,987.5%)	$322,100 (+13.34%) Land $78,700 Building $243,400	$370,653
2025	$40.00 (-98.99%)	$284,200 (+7.86%) Land $71,500 Building $212,700
2024	$3,950.00 (+1.28%)	$263,500 (+8.97%) Land $65,000 Building $198,500
2023	$3,900.00	$241,800 Land $64,100 Building $177,700

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	1 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 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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