Worcester County and Gardner City property record for 120 Monadnock St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,294 sqft · built 1935 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,637 (2026) |
| Deeds & Mortgages | Dec 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | M:N-26 B:0011 L:0033 |
| Primary APN | M:N-26 B:0011 L:0033 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,294 sqft Living Area |
| Gross Area | 2,656 sqft |
| Basement Area | 784 sqft |
| Unfinished Basement | 784 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 4,800 sqft (0.11 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 120 MONADNOCK ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 19 |
| Legal Lot Number | 33 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City 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 | 120 MONADNOCK ST, GARDNER, MA 01440-2100 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 22, 2017 |
| Property Address | 120 MONADNOCK ST, GARDNER, MA 01440-2100 |
| Document Number | 58238-61 |
| Book / Page | 058238 / 000061 |
| Instrument Date | Dec 19, 2017 |
| Instrument | 144213 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 MONADNOCK ST GARDNER MA 014402100, GARDNER, MA 01440-2100 |
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 |
|---|---|---|---|
| 2026 | $3,637.00 (-1.68%) | $264,100 (+2.52%) Land $71,800 Building $192,300 | $328,946 (-1.15%) |
| 2025 | $3,699.00 (-0.83%) | $257,600 (+3.54%) Land $65,300 Building $192,300 | $332,785 |
| 2024 | $3,730.00 (+8.15%) | $248,800 (+16.37%) Land $59,400 Building $189,400 | |
| 2023 | $3,449.00 | $213,800 Land $58,500 Building $155,300 |
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 |
|---|---|
| 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 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: 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 519 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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