125 Monadnock St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 125 Monadnock St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,600 sqft · built 1930
Lot Size	0.129 acres (5,628 sqft)
Owner	Individual Name on Record
Last Sale	$284,900 (Feb 2022)
Tax Bill	$4,333 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:N-26 B:0016 L:0023`

Property Details

APN / Parcel Number

Primary APN	`M:N-26 B:0016 L:0023`
Alternative APN	`GARD M:M27 B:19 L:23`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,600 sqft Living Area
Gross Area	3,035 sqft
Basement Area	283 sqft
Unfinished Basement	283 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	5,628 sqft (0.129 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	125 MONADNOCK ST
City	GARDNER
State	MA
Zip	01440-2103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	19
Legal Lot Number	23
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2007
Census Tract	707400

Owner

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	125 MONADNOCK ST, GARDNER, MA 01440-2103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2022	Quit Claim Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP
Oct 9, 2020	Deed of Trust, Mortgage · Balloon Mortgage LENDINGONE LLC
Jun 29, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI
Sep 24, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2022 · Amount on Record
Deed Sale	Feb 8, 2022 · Amount on Record
Prior Sale	Sep 10, 2020 · Amount on Record
Deed Document Number	202215263
Deed Book / Page	67082 / 266
Prior Transfer Date	Feb 7, 2022
Prior Transfer Doc	0000015263
Record Updated	Oct 29, 2026

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 8, 2022
Property Address	125 MONADNOCK ST, GARDNER, MA 01440-2103
Document Number	067082-266
Book / Page	67082 / 266
Instrument Date	Feb 7, 2022
Instrument	15263
Transaction Type	Transfer
Record Updated	Feb 25, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	125 MONADNOCK ST, GARDNER, MA 01440-2103

Mortgage

Document Number	0000015264
Date	Feb 8, 2022
Instrument	15264

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Mortgage

Document Number	067082-284
Date	Feb 8, 2022
Book Page	67082/284
Instrument	15265

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	125 MONADNOCK ST, GARDNER, MA 01440-2103
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63466-28
Date	Oct 9, 2020
Book Page	63466/28
Instrument	120234

Lender

Name	LENDINGONE LLC

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	125 MONADNOCK ST, GARDNER, MA 01440-2103
Document Number	60774-182
Instrument Date	Jun 29, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 MONADNOCK ST GARDNER MA 014402103, GARDNER, MA 01440-2103

Mortgage

Document Number	60774-182
Date	Jul 29, 2019
Book Page	060774/000182
Instrument	73164

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 24, 2019
Property Address	125 MONADNOCK ST, GARDNER, MA 01440-2103
Document Number	61101-46
Book / Page	061101 / 000046
Instrument Date	Apr 20, 2019
Instrument	98600
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 IROQUOIS RD MIDDLEFIELD CT 064551309, MIDDLEFIELD, CT 06455-1309

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Gardner City
Unified School District	Gardner School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,333.00 (+10,468.29%)	$314,700 (+8.14%) Land $65,300 Building $249,400	$372,260 (+2.98%)
2025	$41.00 (-99.01%)	$291,000 (+5.63%) Land $59,400 Building $231,600	$361,475
2024	$4,130.00 (+3.46%)	$275,500 (+11.31%) Land $54,000 Building $221,500
2023	$3,992.00	$247,500 Land $53,200 Building $194,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Monadnock St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures