113 Acadia Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 113 Acadia Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,556 sqft · built 1944
Lot Size	0.46 acres (20,058 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (Dec 2000)
Tax Bill	$4,515 (2026)
Deeds & Mortgages	Aug 2026 Reverse Mortgage Aug 2026 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:K-31 B:0020 L:0023`

Property Details

APN / Parcel Number

Primary APN	`M:K-31 B:0020 L:0023`
Alternative APN	`GARD M:M32 B:16 L:23`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,556 sqft Living Area
Gross Area	3,392 sqft
Basement Area	792 sqft
Unfinished Basement	792 sqft

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,058 sqft (0.46 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	113 ACADIA RD
City	GARDNER
State	MA
Zip	01440-1507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	16
Legal Lot Number	23
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1026
Census Tract	707400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	113 ACADIA RD, GARDNER, MA 01440-1507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HSNG COMMISSIONER
Aug 26, 2026	Deed of Trust, Mortgage · Reverse Mortgage MORTGAGE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2000 · Amount on Record
Deed Sale	Dec 29, 2000 · Amount on Record
Prior Sale	Mar 31, 1994 · Amount on Record
Deed Book / Page	23382 / 386
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Aug 26, 2026
Property Address	113 ACADIA RD, GARDNER, MA 01440-1507
Document Number	0000074135
Book / Page	74080 / 21
Instrument Date	Jun 4, 2026
Instrument	202674135
Transaction Type	Mortgage
Record Updated	Sep 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 ACADIA RD, GARDNER, MA 01440-1507

Mortgage

Document Number	0000074135,
Date	Aug 26, 2026
Book Page	74080/21
Instrument	202674135

Lender

Name	FEDERAL HSNG COMMISSIONER

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	937 Months
Due	Sep 1, 2104

Interest

Max Rate	-1%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Aug 26, 2026
Property Address	113 ACADIA RD, GARDNER, MA 01440-1507
Document Number	0000074134
Book / Page	74080 / 7
Instrument Date	Jun 4, 2026
Instrument	202674134
Transaction Type	Mortgage
Record Updated	Sep 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 ACADIA RD, GARDNER, MA 01440-1507

Mortgage

Document Number	0000074134,
Date	Aug 26, 2026
Book Page	74080/7
Instrument	202674134

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	937 Months
Due	Sep 1, 2104

Interest

Max Rate	-1%

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	$4,515.00 (+10,4%)	$327,900 (+7.76%) Land $61,500 Building $266,400	$356,079 (+14.55%)
2025	$43.00 (-99.01%)	$304,300 (+4.57%) Land $56,000 Building $248,300	$310,840
2024	$4,362.00 (+11.25%)	$291,000 (+19.7%) Land $50,900 Building $240,100
2023	$3,921.00	$243,100 Land $50,100 Building $193,000

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 · 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

4G LTE (outdoors only), no 5G reported

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