1. Home
  2. Massachusetts
  3. Worcester County
  4. Gardner
  5. Sand St

97 Sand St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 97 Sand St, Gardner, MA 01440

Property Summary

Property TypeSingle Family Home
Details5 bd · 2 ba · 2,000 sqft · built 1900
Lot Size0.333 acres (14,520 sqft)
OwnerIndividual Name on File
Last Sale$425,000 (Aug 2025)
Tax Bill$4,834 (2025)
Deeds & MortgagesAug 2025 Sale & Mortgage
Apr 2022 Transfer
+ 2 more
Flood ZoneZone X (minimal risk)
APNM:M-27 B:0042 L:0025

Property Details

APN / Parcel Number

Primary APNM:M-27 B:0042 L:0025
Alternative APN
  • GARD M:M27 B:13 L:25

Interior

Bedrooms5 Beds
Full Baths2 Baths
Total Rooms8 Rooms
Stories1 Story
Building Area2,000 sqft Living Area
Gross Area4,225 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleBungalow
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area14,520 sqft (0.333 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelOil

Location & Zoning

Street Address97 SAND ST
CityGARDNER
StateMA
Zip01440-1939
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block13
Legal Lot Number25
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group2
Census Block2004
Census Tract707400

Owner

Source: Worcester County and Gardner City records · APN M:M-27 B:0042 L:0025

Assessment roll updated April 14, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address97 SAND ST, GARDNER, MA 01440-1939
OccupancyOwner Occupied
Owner TypeIndividual
VestingIndividual(s)

Deeds, Mortgages & Sale History

DateDocument
Aug 05, 2025Quit Claim Deed, Transfer · Conventional Mortgage
AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Apr 15, 2022Quit Claim Deed, Transfer
Quitclaim
Jan 25, 2022Quit Claim Deed, Transfer · Stand-Alone First Mortgage
TOTAL MORTGAGE SERVICES LLC
Dec 09, 2019Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 05, 2025 · Amount on Record
Deed SaleAug 05, 2025 · Amount on Record
Prior SaleJan 25, 2022 · Amount on Record
Deed Book / Page72360 / 368
Prior Transfer DateApr 14, 2022
Prior Transfer Doc067440-306
Record UpdatedSep 20, 2026

August 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateAug 05, 2025
Property Address97 SAND ST, GARDNER, MA 01440-1939
Document Number072360-368
Book / Page72360 / 368
Instrument DateAug 05, 2025
Instrument65580
Transaction TypeTransfer
Record UpdatedJan 26, 2026

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address97 SAND ST, GARDNER, MA 01440-1939

Mortgage

Document Number0000065581
DateAug 05, 2025
Instrument65581
Lender
NameAMERICAN NEIGHBORHOOD MTG ACCEPTANC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2055

Mortgage

Document Number072360-390
DateAug 05, 2025
Book Page72360/390
Instrument65582
Lender
NameAMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
TypeMortgage Company
Agreement
TypeSecond Mortgage (Down Payment)
AmountAmount Recorded
Term181 Months
DueSep 01, 2040

April 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateApr 15, 2022
Property Address97 SAND ST, GARDNER, MA 01440-1939
Document Number067440-306
Book / Page67440 / 306
Instrument DateApr 14, 2022
Instrument41591
Transaction TypeTransfer
Record UpdatedJan 26, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address97 SAND ST, GARDNER, MA 01440-1939

January 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateJan 25, 2022
Property Address97 SAND ST, GARDNER, MA 01440-1939
Document Number067002-335
Book / Page67002 / 335
Instrument DateJan 25, 2022
Instrument9561
Transaction TypeTransfer
Record UpdatedJan 26, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address97 SAND ST, GARDNER, MA 01440-1939

Mortgage

Document Number0000009562
DateJan 25, 2022
Instrument9562
Lender
NameTOTAL MORTGAGE SERVICES LLC
TypeMortgage Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

December 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateDec 09, 2019
Property Address97 SAND ST, GARDNER, MA 01440-1939
Document Number61552-220
Book / Page061552 / 000220
Instrument DateDec 06, 2019
Instrument132732
Transaction TypeTransfer
Record UpdatedJan 13, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address97 SAND ST GARDNER MA 014401939, GARDNER, MA 01440-1939

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4,834.00 (-2.22%)$336,600 (+2.06%) Land $71,300 Building $265,300$406,885
2024$4,944.00 (+0.92%)$329,800 (+8.59%) Land $64,800 Building $265,000
2023$4,899.00$303,700 Land $63,900 Building $239,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 30, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Gateway Fiber Holdings
Fiber		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 380 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemGARDNER WATER DEPARTMENT
serves 21,381 people
Water SourceSurface water
Last State InspectionOct 2024
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

Nearby Properties on Sand St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures