Worcester County and Gardner City property record for 12 Cotes Cv, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 456 sqft · built 1948 |
| Lot Size | 0.074 acres (3,227 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $28 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:H17 B:19 L:8 |
| Primary APN | GARD M:H17 B:19 L:8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 456 sqft Living Area |
| Gross Area | 516 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Rustic |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,227 sqft (0.074 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 12 COTES CV |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2961 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 19 |
| Legal Lot Number | 8 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 707300 |
Source: Worcester County and Gardner City records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 16 OAKWOOD CIR, MILFORD, NH 03055-3812 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $28.00 (-98.97%) | $196,600 (+8.44%) Land $119,500 Building $77,100 | $194,750 |
| 2024 | $2,718.00 | $181,300 Land $108,600 Building $72,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 83% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
5G and 4G LTE (outdoors only)
Search by:
By searching, you agree to: Terms • Privacy • Disclosures