161 Gardner Rd, Winchendon, MA 01475 Property Records

Worcester County and Winchendon Town property record for 161 Gardner Rd, Winchendon, MA 01475

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,431 sqft · built 1927
Lot Size	4.37 acres (190,357 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,093 (2025)
Deeds & Mortgages	Jan 2021 Refinance Sep 2019 Mortgage
APN	`WINC M:12 B:0 L:41`

Property Details

APN / Parcel Number

Primary APN	`WINC M:12 B:0 L:41`
Alternative APN	`WCDN M:12 B:0 L:41`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,431 sqft Living Area
Gross Area	3,828 sqft
Basement Area	954 sqft
Unfinished Basement	954 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	190,357 sqft (4.37 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	161 GARDNER RD
City	WINCHENDON
State	MA
Zip	01475-2108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	41
Jurisdiction	WINCHENDON MA
Township / Civil Division	WINCHENDON
Census Block Group	2
Census Block	2014
Census Tract	701101

Owner

161 Gardner Rd is owned and occupied by two individuals who acquired it in March 2007.

Source: Worcester County and Winchendon Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	161 GARDNER RD, WINCHENDON, MA 01475-2108
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
Jan 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2007
Deed Sale	Mar 2, 2007
Prior Sale	Nov 8, 2002 · Amount on File
Deed Book / Page	40764 / 26
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Property Address	161 GARDNER RD, WINCHENDON, MA 01475-2108
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64226-46
Date	Jan 14, 2021
Book Page	64226/46
Instrument	6015

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	169 Months
Due	Feb 1, 2035

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Property Address	161 GARDNER RD, WINCHENDON, MA 01475-2108
Document Number	61164-22
Instrument Date	Sep 26, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	161 GARDNER RD WINCHENDON MA 014752108, WINCHENDON, MA 01475-2108

Mortgage

Document Number	61164-22
Date	Oct 2, 2019
Book Page	061164/000022
Instrument	103117

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 161 Gardner Rd was $3,093, up 3.1% from the year before.

Source: Worcester County and Winchendon Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Winchendon Town
Unified School District	Winchendon School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,093.00 (+3.07%)	$263,200 (+9.99%) Land $56,300 Building $206,900	$294,405 (+2.45%)
2024	$3,001.00 (+1.01%)	$239,300 (+7.94%) Land $52,000 Building $187,300	$287,375
2023	$2,971.00	$221,700 Land $49,800 Building $171,900

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

Flood

FEMA's flood maps do not cover 161 Gardner Rd; 3 flood insurance policies are in force nearby.

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

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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 161 Gardner 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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