19 Franklin Ct, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 19 Franklin Ct, Gardner, MA 01440

Property Summary

Property Type	Apartments (5+ Units)
Details	6 bd · 6 ba · 4,338 sqft · built 1900
Lot Size	0.116 acres (5,035 sqft)
Owner	2 Company Names on Record
Last Sale	$705,000 (Oct 2025)
Tax Bill	$7,330 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Aug 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:N-25 B:0005 L:0063`

Property Details

APN / Parcel Number

Primary APN	`M:N-25 B:0005 L:0063`
Alternative APN	`GARD M:M27 B:24 L:63`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Total Rooms	18 Rooms
Units	6 Units
Stories	3 Stories
Building Area	4,338 sqft Living Area
Gross Area	6,013 sqft
Basement Area	898 sqft
Unfinished Basement	898 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	5,035 sqft (0.116 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	19 FRANKLIN CT
City	GARDNER
State	MA
Zip	01440-3857
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	63
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1000
Census Tract	707300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	7 REBANNA RD, WESTMINSTER, MA 01473-1169
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Quit Claim Deed, Transfer ATHOL SAVINGS BANK
Aug 12, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JEANNE D ARC CU
Apr 6, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JEANNE D ARC CU
Nov 20, 2017	Deed of Trust, Mortgage ATHOL SAVINGS BANK
Sep 11, 2020	Quit Claim Deed, Transfer · Commercial Mortgage AVIDIA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2025 · Amount on Record
Deed Sale	Oct 7, 2025 · Amount on Record
Prior Sale	Aug 12, 2022 · Amount on Record
Deed Book / Page	72645 / 73
Record Updated	Oct 29, 2026

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 7, 2025
Property Address	19 FRANKLIN CT, GARDNER, MA 01440-3857
Document Number	0072645-73
Book / Page	72645 / 73
Instrument Date	Oct 7, 2025
Instrument	86629
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 REBANNA RD, WESTMINSTER, MA 01473-1169

Mortgage

Document Number	0000086631
Date	Oct 7, 2025
Instrument	86631

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 12, 2022
Property Address	19 FRANKLIN CT, GARDNER, MA 01440-3857
Document Number	0068065-16
Book / Page	68065 / 16
Instrument Date	Aug 12, 2022
Instrument	89382
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 THORNDIKE ST # STE20, STE20, LOWELL, MA 01852-3485
Investor	Possibly a Property Investor

Mortgage

Document Number	0000089383
Date	Aug 12, 2022
Instrument	89383

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 6, 2022
Property Address	19 FRANKLIN CT, GARDNER, MA 01440-3857
Document Number	067390-388
Book / Page	67390 / 388
Instrument Date	Apr 5, 2022
Instrument	37974
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 THORNDIKE ST # STE20, STE20, LOWELL, MA 01852-3485

Mortgage

Document Number	0000037975
Date	Apr 6, 2022
Instrument	37975

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	19 FRANKLIN CT, GARDNER, MA 01440-3857
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58066-107
Date	Nov 20, 2017
Book Page	58066/107
Instrument	129817

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 11, 2020
Property Address	19 FRANKLIN CT, GARDNER, MA 01440-3857
Document Number	63235-340
Book / Page	63235 / 340
Instrument Date	Sep 11, 2020
Instrument	104977
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 CHERRY ST, HUDSON, MA 01749-2977

Mortgage

Document Number	104978
Date	Sep 11, 2020
Instrument	104978

Lender

Name	AVIDIA BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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
2026	$7,330.00 (+9.7%)	$532,300 (+14.4%) Land $72,200 Building $460,100
2025	$6,682.00 (+13.72%)	$465,300 (+18.7%) Land $65,600 Building $399,700
2024	$5,876.00 (+0.94%)	$392,000 (+8.62%) Land $59,700 Building $332,300
2023	$5,821.00	$360,900 Land $58,800 Building $302,100

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

Flood

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.

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	None beyond ember reach

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 519 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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