18 Gardner St, Salisbury, MA 01952 Property Records

Essex County and Salisbury Town property record for 18 Gardner St, Salisbury, MA 01952

Property Summary

Property Type	Duplex
Details	6 bd · 2.5 ba · 2,106 sqft · built 1910
Lot Size	0.217 acres (9,466 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,285 (2025)
Deeds & Mortgages	Sep 2024 Mortgage Jan 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SALI M:6 P:101`

Property Details

APN / Parcel Number

Primary APN	`SALI M:6 P:101`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,106 sqft Living Area
Gross Area	5,680 sqft
Basement Area	1,520 sqft
Unfinished Basement	1,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1913
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,466 sqft (0.217 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	18 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 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 Record
Mailing Address	18 GARDNER ST, SALISBURY, MA 01952-1917
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2024	Quit Claim Deed, Transfer · VA Mortgage MAGNOLIA BANK
Jan 23, 2024	Quit Claim Deed, Transfer Quitclaim
Dec 6, 2023	Quit Claim Deed, Transfer · Stand-Alone Refinance MAGNOLIA BANK
Feb 5, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2024
Deed Sale	Sep 13, 2024
Prior Sale	Jul 6, 2016 · Amount on Record
Deed Book / Page	42324 / 450
Prior Transfer Date	Sep 6, 2024
Prior Transfer Doc	4232000450
Record Updated	Sep 20, 2026

September 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALISBURY MA
Recording Date	Sep 13, 2024
Property Address	18 GARDNER ST, SALISBURY, MA 01952-1917
Document Number	042324-450
Book / Page	42324 / 450
Instrument Date	Sep 6, 2024
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	18 GARDNER ST, SALISBURY, MA 01952-1917

Mortgage

Document Number	0042324455
Date	Sep 13, 2024
Instrument	42324/455

Lender

Name	MAGNOLIA BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALISBURY MA
Recording Date	Jan 23, 2024
Property Address	18 GARDNER ST, SALISBURY, MA 01952-1917
Document Number	041958-366
Book / Page	41958 / 366
Instrument Date	Jan 17, 2024
Instrument	20240123001790
Transaction Type	Transfer
Record Updated	Feb 9, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18 GARDNER ST, SALISBURY, MA 01952-1917

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALISBURY MA
Recording Date	Dec 6, 2023
Property Address	18 GARDNER ST, SALISBURY, MA 01952-1917
Document Number	041892-445
Book / Page	41892 / 445
Instrument Date	Nov 30, 2023
Instrument	20231206000340
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	18 GARDNER ST, SALISBURY, MA 01952-1917

Mortgage

Document Number	20231206000350
Date	Dec 6, 2023
Instrument	20231206000350

Lender

Name	MAGNOLIA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2055

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALISBURY MA
Recording Date	Feb 5, 2018
Property Address	18 GARDNER ST, SALISBURY, MA 01952-1917
Document Number	36515-540
Book / Page	036515 / 000540
Instrument Date	Feb 2, 2018
Instrument	1802052870
Transaction Type	Transfer
Record Updated	Feb 28, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18 GARDNER ST SALISBURY MA 019521917, SALISBURY, MA 01952-1917

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
2025	$6,285.00 (+10.71%)	$623,500 (+14.76%) Land $160,600 Building $462,900
2024	$5,677.00 (+5.82%)	$543,300 (+9.36%) Land $160,600 Building $382,700
2023	$5,365.00	$496,800 Land $160,600 Building $336,200

Assessed value is set for property tax purposes and is not a market price estimate.

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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