108 Monadnock St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 108 Monadnock St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 884 sqft · built 1925
Lot Size	0.141 acres (6,139 sqft)
Owner	Individual Name on Record
Last Sale	$62,000 (Nov 1991)
Tax Bill	$3,356 (2026)
Deeds & Mortgages	Dec 2019 Refinance Oct 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:N-26 B:0009 L:0031`

Property Details

APN / Parcel Number

Primary APN	`M:N-26 B:0009 L:0031`
Alternative APN	`GARD M:M27 B:19 L:31`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
Gross Area	3,062 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,139 sqft (0.141 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	108 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	31
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	Individual Name on Record
Mailing Address	381 MAIN ST, GARDNER, MA 01440-3012
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIDELITY COOPERATIVE BANK
Oct 18, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 1991 · Amount on Record
Deed Sale	Nov 25, 1991 · Amount on Record
Deed Book / Page	13783 / 266
Last Transfer Date	Oct 15, 2019
Transfer Doc	61259-289
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	108 MONADNOCK ST, GARDNER, MA 01440-2100
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61651-24
Date	Dec 24, 2019
Book Page	61651/24
Instrument	140822

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	193 Months
Due	Jan 1, 2036

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 18, 2019
Property Address	108 MONADNOCK ST, GARDNER, MA 01440-2100
Document Number	61259-289
Book / Page	061259 / 000289
Instrument Date	Oct 15, 2019
Instrument	110451
Transaction Type	Transfer
Record Updated	Nov 5, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 MAIN ST GARDNER MA 014403012, GARDNER, MA 01440-3012

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	$3,356.00 (-1.44%)	$243,700 (+2.78%) Land $72,900 Building $170,800	$282,407 (+6.4%)
2025	$3,405.00 (+0.12%)	$237,100 (+4.5%) Land $66,300 Building $170,800	$265,430
2024	$3,401.00 (+7.9%)	$226,900 (+16.12%) Land $60,300 Building $166,600
2023	$3,152.00	$195,400 Land $59,400 Building $136,000

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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