11 Acadia Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 11 Acadia Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 928 sqft · built 1998
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (May 2022)
Tax Bill	$5,290 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:1 L:9`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:1 L:9`
Alternative APN	`M:J-29 B:0031A L:0006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	928 sqft Living Area
Gross Area	2,311 sqft
Basement Area	897 sqft
Unfinished Basement	897 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	11 ACADIA RD
City	GARDNER
State	MA
Zip	01440-1505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	1
Legal Lot Number	9
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1026
Census Tract	707400

Owner

11 Acadia Rd is owned and occupied by an individual who bought it in May 2022.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	11 ACADIA RD, GARDNER, MA 01440-1505
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.

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Oct 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2022 · Amount on File
Deed Sale	May 27, 2022 · Amount on File
Prior Sale	Oct 24, 2014 · Amount on File
Deed Book / Page	67659 / 234
Record Updated	Oct 29, 2026

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 27, 2022
Property Address	11 ACADIA RD, GARDNER, MA 01440-1505
Document Number	067659-234
Book / Page	67659 / 234
Instrument Date	May 27, 2022
Instrument	58010
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	11 ACADIA RD, GARDNER, MA 01440-1505

Mortgage

Document Number	0000058011
Date	May 27, 2022
Instrument	58011

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	11 ACADIA RD, GARDNER, MA 01440-1505
Document Number	61230-78
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 ACADIA RD GARDNER MA 014401505, GARDNER, MA 01440-1505

Mortgage

Document Number	61230-78
Date	Oct 15, 2019
Book Page	061230/000078
Instrument	108207

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 11 Acadia Rd was $5,290, up 10,073.1% from the year before.

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	$5,290.00 (+10,073.08%)	$384,200 (+5.84%) Land $59,100 Building $325,100	$364,551 (-11.29%)
2025	$52.00 (-98.95%)	$363,000 (+9.9%) Land $53,700 Building $309,300	$410,970
2024	$4,951.00 (+14.79%)	$330,300 (+23.52%) Land $48,800 Building $281,500
2023	$4,313.00	$267,400 Land $48,200 Building $219,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 11 Acadia Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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

Wildfire risk around 11 Acadia 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.

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 147 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Acadia Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures