13 Gardner Ave, Sturbridge, MA 01566 Property Records

Worcester County and Sturbridge Town property record for 13 Gardner Ave, Sturbridge, MA 01566 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,302 sqft · built 1960
Lot Size	0.8 acres (34,848 sqft)
Owner	2 Individual Names on File
Last Sale	$219,900 (Nov 2018)
Tax Bill	$5,400 (2025)
Deeds & Mortgages	Dec 2020 Refinance Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`290-02544-013`

Property Details

APN / Parcel Number

Primary APN	`290-02544-013`
Alternative APNs	`STUR M:290 B:000 L:2544-013` `M:290 B:000 L:2544=013`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,302 sqft Living Area
Gross Area	2,774 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	34,848 sqft (0.8 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	290-02544-013
Street Address	13 GARDNER AVE
City	STURBRIDGE
State	MA
Zip	01566-1554
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	GARDNER HEIGHTS
Legal Lot Number	2544-13
Jurisdiction	STURBRIDGE MA
Township / Civil Division	STURBRIDGE
Census Block Group	1
Census Block	1037
Census Tract	758104

Owner

Source: Worcester County and Sturbridge Town records · APN 290-02544-013

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	13 GARDNER AVE, STURBRIDGE, MA 01566-1554
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 01, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance COUNTRY BANK
Nov 28, 2018	Quit Claim Deed, Transfer COUNTRY BANK
Oct 23, 2017	Quit Claim Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 28, 2018 · Amount on Record
Deed Sale	Nov 28, 2018 · Amount on Record
Prior Sale	Oct 23, 2017
Deed Book / Page	59743 / 50
Last Transfer Date	Nov 29, 2020
Transfer Doc	063866-330
Record Updated	Sep 20, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	Dec 01, 2020
Property Address	13 GARDNER AVE, STURBRIDGE, MA 01566-1554
Document Number	63866-327
Book / Page	63866 / 327
Instrument Date	Nov 29, 2020
Instrument	147163
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13 GARDNER AVE, STURBRIDGE, MA 01566-1554

Mortgage

Document Number	63866-330
Date	Dec 01, 2020
Book Page	63866/330
Instrument	147164

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	Nov 28, 2018
Property Address	13 GARDNER AVE, STURBRIDGE, MA 01566-1554
Document Number	59743-50
Book / Page	59743 / 50
Instrument	125669
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$33.83
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	597430054
Date	Nov 28, 2018
Instrument	59743/0054

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2048

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STURBRIDGE MA
Recording Date	Oct 23, 2017
Property Address	13 GARDNER AVE, STURBRIDGE, MA 01566-1554
Document Number	57917-218
Book / Page	57917 / 218
Instrument	117021
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$32.20
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18856 W HOFF RD, ELWOOD, IL 60421-9358

Mortgage

Document Number	57917-221
Date	Oct 23, 2017
Book Page	57917/221
Instrument	117022

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2047

Tax Assessment & Valuation

Source: Worcester County and Sturbridge Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,400.00 (+10.05%)	$339,000 (+13.91%) Land $81,400 Building $257,600	$366,320 (-1.05%)
2024	$4,907.00 (+6.03%)	$297,600 (+16.2%) Land $79,800 Building $217,800	$370,215
2023	$4,628.00	$256,100 Land $69,400 Building $186,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277581041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 64 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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