Worcester County and Gardner City property record for 103 Holly Dr, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,146 sqft · built 1985 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,157 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:C-37 B:0022 L:0055 |
| Primary APN | M:C-37 B:0022 L:0055 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,146 sqft Living Area |
| Gross Area | 2,661 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 39,204 sqft (0.9 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 103 HOLLY DR |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1264 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 25 |
| Legal Lot Number | 55 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 707400 |
103 Holly Dr is owned and occupied by two individuals.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 HOLLY DR, GARDNER, MA 01440-1264 |
| 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 |
|---|---|
| Sep 17, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Jun 25, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Sep 17, 2026 |
| Property Address | 103 HOLLY DR, GARDNER, MA 01440-1264 |
| Document Number | 0000081412 |
| Book / Page | 74178 / 224 |
| Instrument Date | Aug 29, 2026 |
| Instrument | 202681412 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2026 |
| Name | Verified Name |
|---|---|
| Address | 103 HOLLY DR, GARDNER, MA 01440-1264 |
| Document Number | 0000081412, |
|---|---|
| Date | Sep 17, 2026 |
| Book Page | 74178/224 |
| Instrument | 202681412 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 103 HOLLY DR, GARDNER, MA 01440-1264 |
| Document Number | 59026-169 |
| Instrument Date | Jun 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 HOLLY DR GARDNER MA 014401264, GARDNER, MA 01440-1264 |
| Document Number | 59026-169 |
|---|---|
| Date | Jun 29, 2018 |
| Book Page | 059026/000169 |
| Instrument | 65443 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2048 |
The 2026 property tax bill for 103 Holly Dr was $5,157, up 10,214% 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 | $5,157.00 (+10,214%) | $374,500 (+7.21%) Land $92,500 Building $282,000 | $397,000 (+7.93%) |
| 2025 | $50.00 (-98.96%) | $349,300 (+8.95%) Land $84,100 Building $265,200 | $367,840 |
| 2024 | $4,806.00 (+2.54%) | $320,600 (+10.32%) Land $76,500 Building $244,100 | |
| 2023 | $4,687.00 | $290,600 Land $75,300 Building $215,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Holly Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
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 | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · rainfall accumulation |
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 103 Holly Dr 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.
Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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