Worcester County and Gardner City property record for 165 Murray Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,056 sqft · built 1987 |
| Lot Size | 9.99 acres (435,487 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $5,900 (Feb 1981) |
| Tax Bill | $47 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:X32 B:10 L:5 |
| Primary APN | GARD M:X32 B:10 L:5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| Gross Area | 2,502 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 435,487 sqft (9.99 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 165 MURRAY RD |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 10 |
| Legal Lot Number | 5 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 994, ASHBURNHAM, MA 01430-6994 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 19, 1981 · Amount on Record |
| Deed Sale | Feb 19, 1981 · Amount on Record |
| Deed Book / Page | 7175 / 296 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 165 MURRAY RD, GARDNER, MA 01440 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 069063-373 |
|---|---|
| Date | Apr 26, 2023 |
| Book Page | 69063/373 |
| Instrument | 31838 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2043 |
| Rate Type | Adjustable Rate |
|---|
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $47.00 (-99.01%) | $332,300 (+5.06%) Land $83,300 Building $249,000 | $364,230 |
| 2024 | $4,741.00 (+6.68%) | $316,300 (+14.81%) Land $77,800 Building $238,500 | |
| 2023 | $4,444.00 | $275,500 Land $77,000 Building $198,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 at the parcel |
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
4G LTE only, no 5G reported
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