114 E Gardner Rd, Westminster, MA 01473 Property Records

Worcester County and Westminster Town property record for 114 E Gardner Rd, Westminster, MA 01473

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,272 sqft · built 2006
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Individual Names on File
Last Sale	$304,000 (Nov 2014)
Tax Bill	$6,848 (2026)
Deeds & Mortgages	May 2021 Refinance Dec 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WMIN M:48 B:1 L:1`

Property Details

APN / Parcel Number

Primary APN	`WMIN M:48 B:1 L:1`
Alternative APN	`4811`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,272 sqft Living Area
Gross Area	6,728 sqft
Basement Area	1,600 sqft
Unfinished Basement	1,600 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	60,113 sqft (1.38 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	4811
Street Address	114 E GARDNER RD
City	WESTMINSTER
State	MA
Zip	01473-1028
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	HARRY A STONE
Legal Block	1
Legal Lot Number	1
Jurisdiction	WESTMINSTER MA
Township / Civil Division	WESTMINSTER
Census Block Group	1
Census Block	1007
Census Tract	708100

Owner

114 E Gardner Rd is owned and occupied by two individuals who bought it in November 2014.

Source: Worcester County and Westminster Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	114 E GARDNER RD, WESTMINSTER, MA 01473-1028
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 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Dec 22, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WORKERS CU
Dec 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Feb 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2014 · Amount on File
Deed Sale	Nov 26, 2014 · Amount on File
Prior Sale	Apr 4, 2006 · Amount on File
Deed Book / Page	8233 / 100
Transfer Doc	008233-100
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMINSTER MA
Property Address	114 E GARDNER RD, WESTMINSTER, MA 01473-1028
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	009967-104
Date	May 5, 2021
Book Page	9967/104
Instrument	9610

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMINSTER MA
Property Address	114 E GARDNER RD, WESTMINSTER, MA 01473-1028
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010488-239
Date	Dec 22, 2022
Book Page	10488/239
Instrument	22629

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	109 Months
Due	Jan 1, 2032

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMINSTER MA
Property Address	114 E GARDNER RD, WESTMINSTER, MA 01473-1028
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9516-203
Date	Dec 30, 2019
Book Page	9516/203
Instrument	23948

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	109 Months
Due	Jan 1, 2029

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMINSTER MA
Property Address	114 E GARDNER RD, WESTMINSTER, MA 01473-1028
Document Number	9030-45
Instrument Date	Feb 28, 2018
Transaction Type	Mortgage
Record Updated	Mar 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9030-45
Date	Mar 6, 2018
Book Page	009030/000045
Instrument	3537

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 5, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 114 E Gardner Rd was $6,848, down 5.8% from the year before.

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	$6,848.00 (-5.75%)	$583,800 (-1.17%) Land $127,200 Building $456,600	$614,265 (+21.24%)
2025	$7,266.00 (+4.16%)	$590,700 (+3.81%) Land $127,200 Building $463,500	$506,635
2024	$6,976.00 (-0.63%)	$569,000 (+5.86%) Land $127,200 Building $441,800
2023	$7,020.00	$537,500 Land $118,800 Building $418,700

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

Flood

FEMA maps place 114 E Gardner 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	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

Wildfire risk around 114 E Gardner 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.

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

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