Worcester County and Sturbridge Town property record for 12 Gardner Ave, Sturbridge, MA 01566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,886 sqft · built 2020 |
| Lot Size | 1.21 acres (52,708 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $401,000 (Aug 2020) |
| Tax Bill | $8,642 (2026) |
| Deeds & Mortgages | Dec 2019 Refinance Aug 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 290-02544-012 |
| Primary APN | 290-02544-012 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,886 sqft Living Area |
| Gross Area | 3,916 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 840 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 52,708 sqft (1.21 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 290-02544-012 |
|---|---|
| Street Address | 12 GARDNER AVE |
| City | STURBRIDGE |
| State | MA |
| Zip | 01566-1555 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Lot Number | 2544-12 |
| Jurisdiction | STURBRIDGE MA |
| Township / Civil Division | STURBRIDGE |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 758104 |
Source: Worcester County and Sturbridge 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 | Individual Name on Record |
|---|---|
| Mailing Address | 12 GARDNER AVE, STURBRIDGE, MA 01566-1555 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 18, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK |
| Aug 11, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVOY MORTGAGE LTD |
| Oct 11, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Jul 24, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 2020 · Amount on Record |
| Deed Sale | Aug 11, 2020 · Amount on Record |
| Prior Sale | Oct 11, 2019 · Amount on Record |
| Deed Document Number | 202089031 |
| Deed Book / Page | 62997 / 269 |
| Prior Transfer Date | Jul 28, 2020 |
| Prior Transfer Doc | 62997-269 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Property Address | 12 GARDNER AVE, STURBRIDGE, MA 01566-1555 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61609-133 |
|---|---|
| Date | Dec 18, 2019 |
| Book Page | 61609/133 |
| Instrument | 137322 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Recording Date | Aug 11, 2020 |
| Property Address | 12 GARDNER AVE, STURBRIDGE, MA 01566-1555 |
| Document Number | 62997-269 |
| Book / Page | 62997 / 269 |
| Instrument Date | Jul 28, 2020 |
| Instrument | 89031 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12 GARDNER AVE, STURBRIDGE, MA 01566-1555 |
| Document Number | 89033 |
|---|---|
| Date | Aug 11, 2020 |
| Instrument | 89033 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Recording Date | Oct 11, 2019 |
| Property Address | 12 GARDNER AVE, STURBRIDGE, MA 01566-1555 |
| Document Number | 61219-297 |
| Book / Page | 061219 / 000297 |
| Instrument Date | Oct 7, 2019 |
| Instrument | 107485 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $273.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 GARDNER AVE STURBRIDGE MA 01566, STURBRIDGE, MA 01566 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Recording Date | Jul 24, 2017 |
| Property Address | 12 GARDNER AVE, STURBRIDGE, MA 01566-1555 |
| Document Number | 57463-331 |
| Book / Page | 057463 / 000331 |
| Instrument Date | Jul 10, 2017 |
| Instrument | 78712 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $102.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 90 MOLASSES HILL RD BROOKFIELD MA 015061774, BROOKFIELD, MA 01506-1774 |
Source: Worcester County and Sturbridge Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Sturbridge Town |
| Elementary School District | Sturbridge School District (PK - 06) |
| Secondary School District | Tantasqua School District (07 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,642.00 (+3.08%) | $554,000 (+5.26%) Land $88,800 Building $465,200 | $537,167 (-4.02%) |
| 2025 | $8,384.00 (+1.32%) | $526,300 (+4.88%) Land $85,300 Building $441,000 | $559,645 (+1.29%) |
| 2024 | $8,275.00 (+4.43%) | $501,800 (+14.44%) Land $83,500 Building $418,300 | $552,520 |
| 2023 | $7,924.00 | $438,500 Land $72,600 Building $365,900 |
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 |
|---|---|
| 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.
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.
Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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