Worcester County and Winchendon Town property record for 104 Gardner Rd, Winchendon, MA 01475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,905 sqft · built 1987 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Jul 2001) |
| Tax Bill | $4,724 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Aug 2018 Mortgage |
| APN | WINC M:12 B:0 L:24 |
| Primary APN | WINC M:12 B:0 L:24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,905 sqft Living Area |
| Gross Area | 3,981 sqft |
| Basement Area | 908 sqft |
| Unfinished Basement | 908 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 104 GARDNER RD |
|---|---|
| City | WINCHENDON |
| State | MA |
| Zip | 01475-2105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Lot Number | 24 |
| Jurisdiction | WINCHENDON MA |
| Township / Civil Division | WINCHENDON |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 701101 |
104 Gardner Rd is owned and occupied by two individuals who bought it in July 2001.
Source: Worcester County and Winchendon Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 104 GARDNER RD, WINCHENDON, MA 01475-2105 |
| 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 |
|---|---|
| Dec 14, 2021 | Deed of Trust, Mortgage · Line of Credit ATHOL SAVINGS BANK |
| Aug 31, 2018 | Deed of Trust, Mortgage ATHOL SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2001 · Amount on File |
| Deed Sale | Jul 23, 2001 · Amount on File |
| Prior Sale | May 31, 1995 · Amount on File |
| Deed Book / Page | 24471 / 63 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHENDON MA |
| Property Address | 104 GARDNER RD, WINCHENDON, MA 01475-2105 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2021 |
| Name | Verified Name |
|---|
| Document Number | 066740-168 |
|---|---|
| Date | Dec 14, 2021 |
| Book Page | 66740/168 |
| Instrument | 174428 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINCHENDON MA |
| Property Address | 104 GARDNER RD, WINCHENDON, MA 01475-2105 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59340-361 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 59340/361 |
| Instrument | 92039 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 1, 2048 |
The 2025 property tax bill for 104 Gardner Rd was $4,724.
Source: Worcester County and Winchendon Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Winchendon Town |
| Unified School District | Winchendon School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,724.00 (-0.04%) | $402,000 (+6.66%) Land $50,400 Building $351,600 | $423,415 (+17.85%) |
| 2024 | $4,726.00 (+9.5%) | $376,900 (+17.01%) Land $46,100 Building $330,800 | $359,290 |
| 2023 | $4,316.00 | $322,100 Land $43,900 Building $278,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA's flood maps do not cover 104 Gardner Rd; 3 flood insurance policies are in force nearby.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not included in the FIRM |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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 104 Gardner Rd 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 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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