99 Kendall St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 99 Kendall St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,890 sqft · built 1930
Lot Size	0.549 acres (23,897 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Nov 2024)
Tax Bill	$5,808 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Oct 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:Q-17 B:0015 L:0034`

Property Details

APN / Parcel Number

Primary APN	`M:Q-17 B:0015 L:0034`
Alternative APN	`GARD M:R17 B:12 L:34`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,890 sqft Living Area
Gross Area	3,656 sqft
Basement Area	1,050 sqft
Unfinished Basement	1,050 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,897 sqft (0.549 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	99 KENDALL ST
City	GARDNER
State	MA
Zip	01440-4114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	12
Legal Lot Number	34
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2057
Census Tract	707100

Owner

99 Kendall St is owned and occupied by an individual who bought it in November 2024.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	99 KENDALL ST, GARDNER, MA 01440-4114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 11, 2019	Quit Claim Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Jul 6, 2018	Warranty Deed, Transfer
Jul 24, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2024 · Amount on File
Deed Sale	Nov 26, 2024 · Amount on File
Prior Sale	Oct 11, 2019 · Amount on File
Deed Book / Page	71344 / 302
Prior Transfer Date	Nov 18, 2024
Prior Transfer Doc	071344-302
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	99 KENDALL ST, GARDNER, MA 01440-4114
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069464-333
Date	Aug 1, 2023
Book Page	69464/333
Instrument	62741

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Sep 1, 2049

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 11, 2019
Property Address	99 KENDALL ST, GARDNER, MA 01440-4114
Document Number	61219-162
Book / Page	61219 / 162
Instrument Date	Oct 11, 2019
Instrument	107456
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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	99 KENDALL ST, GARDNER, MA 01440-4114

Mortgage

Document Number	107457
Date	Oct 11, 2019
Instrument	107457

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 6, 2018
Property Address	99 KENDALL ST, GARDNER, MA 01440-4114
Document Number	59059-334
Book / Page	059059 / 000334
Instrument Date	Jun 29, 2018
Instrument	68142
Transaction Type	Transfer
Record Updated	Jul 30, 2018

Transaction

Amount	Amount on Record
Tax	$510.72
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 DAVIS RD WESTMINSTER MA 014731526, WESTMINSTER, MA 01473-1526

July 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Jul 24, 2017
Property Address	99 KENDALL ST, GARDNER, MA 01440-4114
Document Number	57464-195
Book / Page	057464 / 000195
Instrument Date	Jul 21, 2017
Instrument	78774
Transaction Type	Foreclosure
Record Updated	Nov 18, 2017

Transaction

Amount	Amount on Record
Tax	$843.00
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 220720 CHICAGO IL 606220720, CHICAGO, IL 60622-0720
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 99 Kendall St was $5,808, up 9,913.8% from the year before.

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	$5,808.00 (+9,913.79%)	$421,800 (+3.92%) Land $92,800 Building $329,000	$413,870 (+22.89%)
2025	$58.00 (-99.01%)	$405,900 (+4.02%) Land $84,300 Building $321,600	$336,775
2024	$5,849.00 (+7.9%)	$390,200 (+16.1%) Land $76,700 Building $313,500
2023	$5,421.00	$336,100 Land $75,600 Building $260,500

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

Flood

FEMA maps place 99 Kendall St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 99 Kendall 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	Direct burnable vegetation

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

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

May also be available: Verizon.

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