16 Gardner St, Salisbury, MA 01952 Property Records

Essex County and Salisbury Town property record for 16 Gardner St, Salisbury, MA 01952

Property Summary

Property Type	Duplex
Details	5 bd · 4 ba · 1,870 sqft · built 1930
Lot Size	0.236 acres (10,285 sqft)
Owner	Individual Name on Record
Last Sale	$422,490 (Aug 2016)
Tax Bill	$6,683 (2025)
Deeds & Mortgages	Jul 2021 Refinance Jul 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SALI M:6 P:102`

Property Details

APN / Parcel Number

Primary APN	`SALI M:6 P:102`
Alternative APN	`366/68`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Units	2 Units
Stories	3 Stories
Building Area	1,870 sqft Living Area
Gross Area	3,637 sqft
Basement Area	748 sqft
Unfinished Basement	748 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1934
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,285 sqft (0.236 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	366/68
Street Address	16 GARDNER ST
City	SALISBURY
State	MA
Zip	01952-1917
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Jurisdiction	SALISBURY MA
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1003
Census Tract	267102

Owner

Source: Essex County and Salisbury Town records, as of July 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	16 GARDNER ST, SALISBURY, MA 01952-1917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT
Jul 17, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2016 · Amount on Record
Deed Sale	Aug 30, 2016 · Amount on Record
Prior Sale	Nov 16, 2004 · Amount on Record
Deed Book / Page	35219 / 321
Transfer Doc	035219-321
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALISBURY MA
Property Address	16 GARDNER ST, SALISBURY, MA 01952-1917
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040100-337
Date	Jul 21, 2021
Book Page	40100/337
Instrument	20210721000440

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALISBURY MA
Property Address	16 GARDNER ST, SALISBURY, MA 01952-1917
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041663-319
Date	Jul 17, 2023
Book Page	41663/319
Instrument	20230717000270

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

Source: Essex County and Salisbury Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Salisbury Town
Unified School District	Triton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,683.00 (+14.2%)	$663,000 (+18.39%) Land $160,900 Building $502,100	$633,365
2024	$5,852.00 (-3.24%)	$560,000 (-) Land $160,900 Building $399,100
2023	$6,048.00	$560,000 Land $160,900 Building $399,100

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 July 10, 2026 · 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
Flood Insurance Cost	Premium on Record median of 37 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	40 units insured incl. 3 condo units
Nearby Flood Claims	24 (1979–2024)
Claims Outside the SFHA	1 of 24
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, Apr 2010 · 3 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 7 claims

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

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	SALISBURY WATER DIVISION serves 9,334 people · EPA ID MA3259000
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Breezeline Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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