1146 Lower Rd, Gilbertville, MA 01031 Property Records

Worcester County and Hardwick Town property record for 1146 Lower Rd, Gilbertville, MA 01031

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 3,072 sqft · built 1790
Lot Size	13 acres (566,280 sqft)
Owner	2 Company Names on Record
Last Sale	$32,000 (Jul 1971)
Tax Bill	$5,888 (2026)
Deeds & Mortgages	Dec 2025 Transfer Oct 2018 Mortgage + 1 more
APN	`1060-00010`

Property Details

APN / Parcel Number

Primary APN	`1060-00010`
Alternative APNs	`HARD M:1060 B:0000 L:0001-0` `M:1060 B:0000 L:0001=0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,072 sqft Living Area
Gross Area	5,746 sqft
1st Floor Area	1,792 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1790
Effective Year Built	Effective 1790
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	566,280 sqft (13 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1060-00010
Street Address	1146 LOWER RD
City	GILBERTVILLE
State	MA
Zip	01031-9843
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Lot Number	1-0
Jurisdiction	HARDWICK MA
Township / Civil Division	HARDWICK
Census Block Group	1
Census Block	1072
Census Tract	723100

Owner

Source: Worcester County and Hardwick 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 Company Names on Record
Mailing Address	1146 LOWER RD, GILBERTVILLE, MA 01031-9843
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Quit Claim Deed, Transfer Quitclaim
Oct 9, 2018	Deed of Trust, Mortgage MASS MUTUAL FCU
Aug 14, 2020	Deed of Trust, Mortgage · Balloon Mortgage MASSMUTUAL FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 1971 · Amount on Record
Deed Sale	Jul 1, 1971 · Amount on Record
Deed Book / Page	5129 / 19
Last Transfer Date	Nov 26, 2025
Transfer Doc	072898-249
Record Updated	Oct 29, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARDWICK MA
Recording Date	Dec 1, 2025
Property Address	1146 LOWER RD, GILBERTVILLE, MA 01031-9843
Document Number	072898-249
Book / Page	72898 / 249
Instrument Date	Nov 26, 2025
Instrument	104337
Transaction Type	Transfer
Record Updated	Dec 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 LOWER RD, GILBERTVILLE, MA 01031-9843

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDWICK MA
Property Address	1146 LOWER RD, GILBERTVILLE, MA 01031-9843
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59518-25
Date	Oct 9, 2018
Book Page	59518/25
Instrument	106661

Lender

Name	MASS MUTUAL FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2038

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDWICK MA
Property Address	1146 LOWER RD, GILBERTVILLE, MA 01031-9843
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63017-75
Date	Aug 14, 2020
Book Page	63017/75
Instrument	90564

Lender

Name	MASSMUTUAL FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2040

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,888.00 (+8.94%)	$462,200 (+12.46%) Land $69,600 Building $368,200	$497,240 (-32.38%)
2025	$5,405.00 (+4.2%)	$411,000 (-) Land $69,600 Building $341,400	$735,395
2024	$5,187.00 (-4.81%)	$411,000 (+0.32%) Land $69,600 Building $341,400
2023	$5,449.00	$409,700 Land $67,600 Building $342,100

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	Not included in the FIRM
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 3 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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