10 Bancroft St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 10 Bancroft St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,716 sqft · built 1948
Lot Size	0.299 acres (13,037 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Sep 2015)
Tax Bill	$54 (2025)
Deeds & Mortgages	Apr 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:N-27 B:0001 L:0041`

Property Details

APN / Parcel Number

Primary APN	`M:N-27 B:0001 L:0041`
Alternative APN	`GARD M:M27 B:14 L:41`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,716 sqft Living Area
Gross Area	5,364 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	13,037 sqft (0.299 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	10 BANCROFT ST
City	GARDNER
State	MA
Zip	01440-1958
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	14
Legal Lot Number	41
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2007
Census Tract	707400

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	2 Individual Names on Record
Mailing Address	10 BANCROFT ST, GARDNER, MA 01440-1958
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2015 · Amount on Record
Deed Sale	Sep 4, 2015 · Amount on Record
Deed Book / Page	54262 / 317
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	10 BANCROFT ST, GARDNER, MA 01440-1958
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065012-90
Date	Apr 26, 2021
Book Page	65012/90
Instrument	56632

Lender

Name	NOTRE DAME FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

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	$54.00 (-99.05%)	$382,600 (+0.39%) Land $70,400 Building $312,200	$480,130
2024	$5,713.00 (+7.43%)	$381,100 (+15.59%) Land $64,000 Building $317,100
2023	$5,318.00	$329,700 Land $63,100 Building $266,600

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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