Worcester County and Gardner City property record for 11 Middle Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,005 sqft · built 1951 |
| Lot Size | 0.287 acres (12,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $216,000 (Jun 2019) |
| Tax Bill | $47 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M27 B:21 L:7 |
| Primary APN | GARD M:M27 B:21 L:7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,005 sqft Living Area |
| Gross Area | 2,105 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,500 sqft (0.287 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 11 MIDDLE RD |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 21 |
| Legal Lot Number | 7 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records · APN GARD M:M27 B:21 L:7
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 11 MIDDLE RD, GARDNER, MA 01440-1824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 17, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Mar 25, 2020 | Deed of Trust, Mortgage · FHA Mortgage TOTAL MORTGAGE SERVICES LLC |
| Jun 14, 2019 | Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 14, 2019 · Amount on Record |
| Deed Sale | Jun 14, 2019 · Amount on Record |
| Prior Sale | Nov 25, 2014 · Amount on Record |
| Deed Document Number | 201955187 |
| Deed Book / Page | 60552 / 196 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 11 MIDDLE RD, GARDNER, MA 01440-1824 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 067135-354 |
|---|---|
| Date | Feb 17, 2022 |
| Book Page | 67135/354 |
| Instrument | 19383 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 11 MIDDLE RD, GARDNER, MA 01440-1824 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62099-220 |
|---|---|
| Date | Mar 25, 2020 |
| Book Page | 62099/220 |
| Instrument | 30728 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 14, 2019 |
| Property Address | 11 MIDDLE RD, GARDNER, MA 01440-1824 |
| Document Number | 60552-196 |
| Book / Page | 60552 / 196 |
| Instrument Date | Jun 14, 2019 |
| Instrument | 55187 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 MIDDLE RD, GARDNER, MA 01440-1824 |
| Document Number | 55188 |
|---|---|
| Date | Jun 14, 2019 |
| Instrument | 55188 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $47.00 (-98.98%) | $331,100 (+7.47%) Land $70,000 Building $261,100 | $300,105 |
| 2024 | $4,618.00 (+5.68%) | $308,100 (+13.73%) Land $63,700 Building $244,400 | |
| 2023 | $4,370.00 | $270,900 Land $62,800 Building $208,100 |
Source: FEMA National Flood Hazard Layer as of November 30, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 94% of the US · lower than 86% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Holdings Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 380 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARDNER WATER DEPARTMENT serves 21,381 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 3 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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