102 Monadnock St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 102 Monadnock St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,369 sqft · built 1925
Lot Size	0.668 acres (29,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$306,000 (Jul 2022)
Tax Bill	$5,304 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:N-26 B:0008 L:0030`

Property Details

APN / Parcel Number

Primary APN	`M:N-26 B:0008 L:0030`
Alternative APN	`GARD M:M27 B:19 L:30`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,369 sqft Living Area
Gross Area	2,412 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,117 sqft (0.668 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	102 MONADNOCK ST
City	GARDNER
State	MA
Zip	01440-2100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	19
Legal Lot Number	30
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2001
Census Tract	707400

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	2 Individual Names on Record
Mailing Address	102 MONADNOCK ST, GARDNER, MA 01440-2100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROSS MORTGAGE COMPANY INC
Oct 6, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Sep 17, 2018	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2022 · Amount on Record
Deed Sale	Jul 26, 2022 · Amount on Record
Prior Sale	Oct 6, 2020 · Amount on Record
Deed Book / Page	67968 / 259
Record Updated	Oct 29, 2026

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 26, 2022
Property Address	102 MONADNOCK ST, GARDNER, MA 01440-2100
Document Number	067968-259
Book / Page	67968 / 259
Instrument Date	Jul 26, 2022
Instrument	81820
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	102 MONADNOCK ST, GARDNER, MA 01440-2100

Mortgage

Document Number	0000081821
Date	Jul 26, 2022
Instrument	81821

Lender

Name	ROSS MORTGAGE COMPANY INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 6, 2020
Property Address	102 MONADNOCK ST, GARDNER, MA 01440-2100
Document Number	63431-373
Book / Page	63431 / 373
Instrument Date	Oct 1, 2020
Instrument	117800
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	102 MONADNOCK ST, GARDNER, MA 01440-2100

Mortgage

Document Number	117801
Date	Oct 6, 2020
Instrument	117801

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	00063432-1
Date	Oct 6, 2020
Book Page	63432/1
Instrument	117802

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	102 MONADNOCK ST, GARDNER, MA 01440-2100
Document Number	59463-299
Instrument Date	Sep 17, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 MONADNOCK ST GARDNER MA 014402100, GARDNER, MA 01440-2100

Mortgage

Document Number	59463-299
Date	Sep 27, 2018
Book Page	059463/000299
Instrument	102276

Lender

Name	PENNYMAC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2048

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	$5,304.00 (+9,907.55%)	$385,200 (+4.02%) Land $87,900 Building $297,300	$356,289 (+1.83%)
2025	$53.00 (-99.01%)	$370,300 (+4.08%) Land $79,800 Building $290,500	$349,885
2024	$5,333.00 (+8.75%)	$355,800 (+17.04%) Land $72,700 Building $283,100
2023	$4,904.00	$304,000 Land $71,500 Building $232,500

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	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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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