Worcester County and Gardner City property record for 12 Middle Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,054 sqft · built 1950 |
| Lot Size | 0.195 acres (8,500 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $161,000 (Jul 2015) |
| Tax Bill | $4,251 (2025) |
| Deeds & Mortgages | Jul 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | M:K-25 B:0001 L:0033 |
| Primary APN | M:K-25 B:0001 L:0033 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,054 sqft Living Area |
| Gross Area | 2,096 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,500 sqft (0.195 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 12 MIDDLE RD |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | PLAN LAND LESTER N DAVIS ET UX |
| Legal Block | 21 |
| Legal Lot Number | 33 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City assessment roll, 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 | 2 Company Names on File |
|---|---|
| Mailing Address | 12 MIDDLE RD, GARDNER, MA 01440-1825 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 31, 2015 · Amount on Record |
| Deed Sale | Jul 31, 2015 · Amount on Record |
| Deed Book / Page | 54089 / 22 |
| Last Transfer Date | Jun 24, 2024 |
| Transfer Doc | 070673-297 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 12 MIDDLE RD, GARDNER, MA 01440-1825 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0072276-40 |
|---|---|
| Date | Jul 18, 2025 |
| Book Page | 72276/40 |
| Instrument | 59468 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 1, 2045 |
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 | $4,251.00 (+2.56%) | $296,000 (+7.05%) Land $67,600 Building $228,400 | $289,085 |
| 2024 | $4,145.00 (+7.75%) | $276,500 (+15.93%) Land $61,500 Building $215,000 | |
| 2023 | $3,847.00 | $238,500 Land $60,600 Building $177,900 |
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
| 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 |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 86% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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: 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 380 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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