Worcester County and Gardner City property record for 121 Monadnock St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,735 sqft · built 1940 |
| Lot Size | 0.156 acres (6,800 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $124,000 (Jun 2015) |
| Tax Bill | $4,339 (2026) |
| Deeds & Mortgages | Sep 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:N-26 B:0017 L:0024 |
| Primary APN | M:N-26 B:0017 L:0024 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,735 sqft Living Area |
| Gross Area | 3,284 sqft |
| Basement Area | 572 sqft |
| Unfinished Basement | 572 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 6,800 sqft (0.156 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 121 MONADNOCK ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | BERTRAND J DAIGLE |
| Legal Block | 19 |
| Legal Lot Number | 24 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2007 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 121 MONADNOCK ST, GARDNER, MA 01440-2103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2015 · Amount on Record |
| Deed Sale | Jun 10, 2015 · Amount on Record |
| Prior Sale | Jan 13, 2012 · Amount on Record |
| Deed Book / Page | 53834 / 107 |
| Transfer Doc | 053834-107 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 121 MONADNOCK ST, GARDNER, MA 01440-2103 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0068277-35 |
|---|---|
| Date | Sep 28, 2022 |
| Book Page | 68277/35 |
| Instrument | 106209 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Oct 1, 2027 |
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 | $4,339.00 (+11,025.64%) | $315,100 (+14.21%) Land $66,000 Building $249,100 | $375,905 (+21.45%) |
| 2025 | $39.00 (-99.04%) | $275,900 (+1.88%) Land $60,000 Building $215,900 | $309,510 |
| 2024 | $4,059.00 (+6.73%) | $270,800 (+14.84%) Land $54,500 Building $216,300 | |
| 2023 | $3,803.00 | $235,800 Land $53,700 Building $182,100 |
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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