132 Monadnock St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 132 Monadnock St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,201 sqft · built 1924
Lot Size	0.298 acres (13,000 sqft)
Owner	Individual Name on Record
Last Sale	$147,000 (Mar 2016)
Tax Bill	$3,927 (2026)
Deeds & Mortgages	Feb 2022 Refinance Nov 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:N-26 B:0013 L:0035`

Property Details

APN / Parcel Number

Primary APN	`M:N-26 B:0013 L:0035`
Alternative APN	`GARD M:M27 B:19 L:35`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,201 sqft Living Area
Gross Area	2,573 sqft
Basement Area	512 sqft
Unfinished Basement	512 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	13,000 sqft (0.298 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	132 MONADNOCK ST
City	GARDNER
State	MA
Zip	01440-2100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	WEST END LAND & BLDG CO
Legal Block	19
Legal Lot Number	35
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2001
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	132 MONADNOCK ST, GARDNER, MA 01440-2100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Nov 2, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2016 · Amount on Record
Deed Sale	Mar 18, 2016 · Amount on Record
Prior Sale	Jan 21, 2014
Deed Book / Page	55072 / 202
Transfer Doc	055072-202
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	132 MONADNOCK ST, GARDNER, MA 01440-2100
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067052-161
Date	Feb 2, 2022
Book Page	67052/161
Instrument	13101

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	132 MONADNOCK ST, GARDNER, MA 01440-2100
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069841-226
Date	Nov 2, 2023
Book Page	69841/226
Instrument	92153

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

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	$3,927.00 (+10,513.51%)	$285,200 (+8.48%) Land $77,400 Building $207,800	$320,407 (+3.01%)
2025	$37.00 (-99%)	$262,900 (+6.31%) Land $70,300 Building $192,600	$311,030
2024	$3,707.00 (+2.4%)	$247,300 (+10.2%) Land $64,000 Building $183,300
2023	$3,620.00	$224,400 Land $63,100 Building $161,300

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

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