13 Norman St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 13 Norman St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,176 sqft · built 1964
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$223,000 (Sep 2006)
Tax Bill	$4,791 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:8 L:25`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:8 L:25`
Alternative APN	`M:M-29 B:0015 L:0025`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Gross Area	2,880 sqft
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	13 NORMAN ST
City	GARDNER
State	MA
Zip	01440-1915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	8
Legal Lot Number	25
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1028
Census Tract	707400

Owner

13 Norman St is owned and occupied by two individuals who bought it in September 2006.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	13 NORMAN ST, GARDNER, MA 01440-1915
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ATHOL SAVINGS BANK
Dec 23, 2021	Deed of Trust, Mortgage · FHA Mortgage LADERA LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2006 · Amount on File
Deed Sale	Sep 27, 2006 · Amount on File
Prior Sale	Aug 23, 1999 · Amount on File
Deed Document Number	2006145139
Deed Book / Page	39846 / 11
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	13 NORMAN ST, GARDNER, MA 01440-1915
Transaction Type	Mortgage
Record Updated	Nov 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068459-383
Date	Nov 8, 2022
Book Page	68459/383
Instrument	120324

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	61 Months
Due	Dec 1, 2027

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	13 NORMAN ST, GARDNER, MA 01440-1915
Transaction Type	Mortgage
Record Updated	Jan 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066815-279
Date	Dec 23, 2021
Book Page	66815/279
Instrument	179519

Lender

Name	LADERA LENDING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 13 Norman St was $4,791, up 10,093.6% from the year before.

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	$4,791.00 (+10,093.62%)	$347,900 (+4.88%) Land $82,900 Building $265,000	$376,883 (+12.51%)
2025	$47.00 (-99%)	$331,700 (+6.01%) Land $75,400 Building $256,300	$334,970
2024	$4,690.00 (+8.82%)	$312,900 (+17.1%) Land $68,500 Building $244,400
2023	$4,310.00	$267,200 Land $67,500 Building $199,700

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

Flood

FEMA maps place 13 Norman St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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.

Wildfire

Wildfire risk around 13 Norman St is low, with a 0.01% annual chance of 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	None beyond ember reach

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 272 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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