113 E Gardner Rd, Westminster, MA 01473 Property Records

Worcester County and Westminster Town property record for 113 E Gardner Rd, Westminster, MA 01473

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,176 sqft · built 1979
Lot Size	1.46 acres (63,598 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Jul 2021)
Tax Bill	$4,576 (2026)
Deeds & Mortgages	Aug 2026 Second Mortgage May 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`WMIN M:48 B:L:3`

Property Details

APN / Parcel Number

Primary APN	`WMIN M:48 B:L:3`
Alternative APNs	`M:10 B:1 L:1` `2023`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Gross Area	2,496 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	63,598 sqft (1.46 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2023
Street Address	113 E GARDNER RD
City	WESTMINSTER
State	MA
Zip	01473-1051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	ELIZABETH D LEWIS
Legal Lot Number	3
Jurisdiction	WESTMINSTER MA
Township / Civil Division	WESTMINSTER
Census Block Group	1
Census Block	1005
Census Tract	708100

Owner

Source: Worcester County and Westminster Town 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	2 Individual Names on Record
Mailing Address	113 E GARDNER RD, WESTMINSTER, MA 01473-1051
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNION FEDERAL CREDIT UNION
May 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ATHOL SAVINGS BANK
Jul 2, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage I-C FCU
Dec 6, 2017	Quit Claim Deed, Transfer Quitclaim
Dec 6, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2021 · Amount on Record
Deed Sale	Jul 2, 2021 · Amount on Record
Prior Sale	Dec 6, 2017
Deed Document Number	202114511
Deed Book / Page	10029 / 256
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMINSTER MA
Recording Date	Aug 3, 2026
Property Address	113 E GARDNER RD, WESTMINSTER, MA 01473-1051
Document Number	0000010545
Book / Page	11269 / 94
Instrument Date	Jul 29, 2026
Instrument	202610545
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 E GARDNER RD, WESTMINSTER, MA 01473-1051

Mortgage

Document Number	0000010545,
Date	Aug 3, 2026
Book Page	11269/94
Instrument	202610545

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2041

Interest

Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMINSTER MA
Property Address	113 E GARDNER RD, WESTMINSTER, MA 01473-1051
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009969-28
Date	May 6, 2021
Book Page	9969/28
Instrument	9751

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTMINSTER MA
Recording Date	Jul 2, 2021
Property Address	113 E GARDNER RD, WESTMINSTER, MA 01473-1051
Document Number	010029-256
Book / Page	10029 / 256
Instrument Date	Jul 2, 2021
Instrument	14511
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
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
Address	113 E GARDNER RD, WESTMINSTER, MA 01473-1051

Mortgage

Document Number	0000014512
Date	Jul 2, 2021
Instrument	14512

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTMINSTER MA
Recording Date	Dec 6, 2017
Property Address	113 E GARDNER RD, WESTMINSTER, MA 01473-1051
Document Number	8976-64
Book / Page	008976 / 000064
Instrument Date	Dec 5, 2017
Instrument	22348
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	92 BUTTING HILL RD MASON NH 03048, MASON, NH 03048

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTMINSTER MA
Recording Date	Dec 6, 2017
Property Address	113 E GARDNER RD, WESTMINSTER, MA 01473-1051
Document Number	8976-59
Book / Page	008976 / 000059
Instrument Date	Dec 5, 2017
Instrument	22346
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 NUTTING HILL RD MASON NH 030483006, MASON, NH 03048-3006

Tax Assessment & Valuation

Source: Worcester County and Westminster Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Westminster Town
Unified School District	Ashburnham-Westminster School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,576.00 (+9.6%)	$390,100 (+14.94%) Land $128,400 Building $261,700	$427,349 (+5.89%)
2025	$4,175.00 (+4.04%)	$339,400 (+3.7%) Land $128,400 Building $211,000	$403,560
2024	$4,013.00 (-1.25%)	$327,300 (+5.17%) Land $128,400 Building $198,900
2023	$4,064.00	$311,200 Land $119,900 Building $191,300

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

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

Nearby Properties on E Gardner Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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