113 Betty Spring Rd, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,500 sqft · built 1989
Lot Size	0.452 acres (19,677 sqft)
Owner	2 Individual Names on File
Last Sale	$378,000 (Oct 2023)
Tax Bill	$5,220 (2026)
Deeds & Mortgages	Oct 2024 Mortgage Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W22 B:1 L:27`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W22 B:1 L:27`
Alternative APN	`M:U-25 B:0042 L:0006`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
Gross Area	3,144 sqft
Basement Area	950 sqft
Unfinished Basement	950 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,677 sqft (0.452 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	113 BETTY SPRING RD
City	GARDNER
State	MA
Zip	01440-2405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	1
Legal Lot Number	27
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3000
Census Tract	707500

Owner

113 Betty Spring Rd is owned and occupied by two individuals who bought it in October 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	113 BETTY SPRING RD, GARDNER, MA 01440-2405
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 25, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 5, 2023	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Dec 12, 2018	Quit Claim Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Aug 7, 2018	Foreclosure · Commercial Mortgage REGAL FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2023 · Amount on File
Deed Sale	Oct 5, 2023 · Amount on File
Prior Sale	Dec 12, 2018 · Amount on File
Deed Book / Page	69728 / 56
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	113 BETTY SPRING RD, GARDNER, MA 01440-2405
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071203-172
Date	Oct 25, 2024
Book Page	71203/172
Instrument	88120

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 5, 2023
Property Address	113 BETTY SPRING RD, GARDNER, MA 01440-2405
Document Number	0069728-56
Book / Page	69728 / 56
Instrument Date	Oct 5, 2023
Instrument	83250
Transaction Type	Transfer
Record Updated	Oct 20, 2023

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
Relationship	Tenants by the Entirety

Mortgage

Document Number	0000083251
Date	Oct 5, 2023
Instrument	83251

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 12, 2018
Property Address	113 BETTY SPRING RD, GARDNER, MA 01440-2405
Document Number	59806-176
Book / Page	59806 / 176
Instrument Date	Dec 10, 2018
Instrument	131158
Transaction Type	Transfer
Record Updated	May 12, 2021

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	113 BETTY SPRING RD, GARDNER, MA 01440-2405

Mortgage

Document Number	131159
Date	Dec 12, 2018
Instrument	131159

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

August 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Aug 7, 2018
Property Address	113 BETTY SPRING RD, GARDNER, MA 01440-2405
Document Number	059225-210
Book / Page	59225 / 210
Instrument	82256
Transaction Type	Foreclosure
Record Updated	Jun 24, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44.51
Amount Accuracy	Calculated from Transfer Tax
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 BETTY SPRING RD, GARDNER, MA 01440-2405

Mortgage

Document Number	0592250220
Date	Aug 7, 2018
Instrument	59225/0220

Lender

Name	REGAL FUNDING CORP

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 113 Betty Spring Rd was $5,220, up 10,135.3% 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	$5,220.00 (+10,135.29%)	$379,100 (+6.01%) Land $81,800 Building $297,300	$430,445 (+21.67%)
2025	$51.00 (-98.98%)	$357,600 (+6.71%) Land $74,400 Building $283,200	$353,780
2024	$5,023.00 (+3.01%)	$335,100 (+10.85%) Land $67,600 Building $267,500
2023	$4,876.00	$302,300 Land $66,600 Building $235,700

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

Flood

FEMA maps place 113 Betty Spring Rd in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 113 Betty Spring Rd is low, with less than 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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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