143 Acadia Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 143 Acadia Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,253 sqft · built 1930
Lot Size	0.316 acres (13,763 sqft)
Owner	2 Individual Names on File
Last Sale	$164,450 (Jun 2018)
Tax Bill	$3,653 (2026)
Deeds & Mortgages	Oct 2020 Refinance Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:K-31 B:0017 L:0020`

Property Details

APN / Parcel Number

Primary APN	`M:K-31 B:0017 L:0020`
Alternative APN	`GARD M:M32 B:16 L:20`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,253 sqft Living Area
Gross Area	2,132 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,763 sqft (0.316 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	143 ACADIA RD
City	GARDNER
State	MA
Zip	01440-1507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	16
Legal Lot Number	20
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1026
Census Tract	707400

Owner

143 Acadia Rd is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	143 ACADIA RD, GARDNER, MA 01440-1507
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
Oct 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION
Jun 8, 2018	Personal Representative Deed, Transfer SALEM FIVE MTG CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2018 · Amount on File
Deed Sale	Jun 8, 2018 · Amount on File
Deed Document Number	201856163
Deed Book / Page	58919 / 256
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	143 ACADIA RD, GARDNER, MA 01440-1507
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63567-352
Date	Oct 23, 2020
Book Page	63567/352
Instrument	126926

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2040

June 2018: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 8, 2018
Property Address	143 ACADIA RD, GARDNER, MA 01440-1507
Document Number	58919-256
Book / Page	58919 / 256
Instrument	56163
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24.51
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	143 ACADIA RD, GARDNER, MA 01440-1507

Mortgage

Document Number	589190259
Date	Jun 8, 2018
Instrument	58919/0259

Lender

Name	SALEM FIVE MTG CO

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 143 Acadia Rd was $3,653, up 10,047.2% 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	$3,653.00 (+10,047.22%)	$265,300 (+3.92%) Land $58,400 Building $206,900	$310,193 (+20.66%)
2025	$36.00 (-99.02%)	$255,300 (+4.63%) Land $53,100 Building $202,200	$257,070
2024	$3,658.00 (+19.11%)	$244,000 (+28.15%) Land $48,300 Building $195,700
2023	$3,071.00	$190,400 Land $47,600 Building $142,800

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

Flood

FEMA maps place 143 Acadia Rd 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 143 Acadia Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 147 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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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