Worcester County and Gardner City property record for 98 Leamy St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,616 sqft · built 1930 |
| Lot Size | 0.169 acres (7,346 sqft) |
| Owner | Individual Name on File |
| Last Sale | $296,000 (Apr 2021) |
| Tax Bill | $4,836 (2026) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:L-22 B:0016 L:0054 |
| Primary APN | M:L-22 B:0016 L:0054 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,616 sqft Living Area |
| Gross Area | 3,032 sqft |
| Basement Area | 958 sqft |
| Unfinished Basement | 958 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,346 sqft (0.169 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 98 LEAMY ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 12 |
| Legal Lot Number | 54 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 707300 |
98 Leamy St is owned and occupied by an individual who bought it in April 2021.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 98 LEAMY ST, GARDNER, MA 01440-2516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 30, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage HOME POINT FINANCIAL CORPORATION |
| Oct 17, 2018 | Quit Claim Deed, Transfer · FHA Mortgage NEW PENN FINANCIAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2021 · Amount on File |
| Deed Sale | Apr 30, 2021 · Amount on File |
| Prior Sale | Mar 28, 2016 · Amount on File |
| Deed Book / Page | 65065 / 313 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 30, 2021 |
| Property Address | 98 LEAMY ST, GARDNER, MA 01440-2516 |
| Document Number | 65065-313 |
| Book / Page | 65065 / 313 |
| Instrument Date | Apr 30, 2021 |
| Instrument | 60184 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 98 LEAMY ST, GARDNER, MA 01440-2516 |
| Document Number | 60185 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | 60185 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 17, 2018 |
| Property Address | 98 LEAMY ST, GARDNER, MA 01440-2516 |
| Document Number | 59555-46 |
| Book / Page | 59555 / 46 |
| Instrument | 109921 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $29.55 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 59555-49 |
|---|---|
| Date | Oct 17, 2018 |
| Book Page | 59555/49 |
| Instrument | 109922 |
| Name | NEW PENN FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2048 |
The 2026 property tax bill for 98 Leamy St was $4,836, up 9,975% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,836.00 (+9,975%) | $351,200 (+3.6%) Land $66,300 Building $284,900 | $363,855 (+4.62%) |
| 2025 | $48.00 (-99.02%) | $339,000 (+4.21%) Land $60,300 Building $278,700 | $347,795 |
| 2024 | $4,876.00 (+8.36%) | $325,300 (+16.59%) Land $54,800 Building $270,500 | |
| 2023 | $4,500.00 | $279,000 Land $54,000 Building $225,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98 Leamy St in Zone X, an area of minimal flood risk.
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 | 4 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 risk around 98 Leamy St is low, with a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 356 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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