20 Bertha Ave, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 20 Bertha Ave, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,368 sqft · built 1953
Lot Size	0.296 acres (12,900 sqft)
Owner	Individual Name on File
Last Sale	$212,000 (May 2019)
Tax Bill	$4,183 (2026)
Deeds & Mortgages	Feb 2021 Refinance May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:8 L:13`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:8 L:13`
Alternative APN	`M:R-28 B:0003 L:0013`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,368 sqft Living Area
Gross Area	2,712 sqft
Basement Area	540 sqft
Unfinished Basement	540 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,900 sqft (0.296 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	20 BERTHA AVE
City	GARDNER
State	MA
Zip	01440-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	8
Legal Lot Number	13
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1022
Census Tract	707500

Owner

20 Bertha Ave is owned and occupied by an individual who bought it in May 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	20 BERTHA AVE, GARDNER, MA 01440-1308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
May 13, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CLINTON SAVINGS BANK
Feb 15, 2018	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2019 · Amount on File
Deed Sale	May 13, 2019 · Amount on File
Prior Sale	Apr 30, 2018 · Amount on File
Deed Document Number	201942755
Deed Book / Page	60397 / 305
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	20 BERTHA AVE, GARDNER, MA 01440-1308
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064523-222
Date	Feb 23, 2021
Book Page	64523/222
Instrument	25178

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 13, 2019
Property Address	20 BERTHA AVE, GARDNER, MA 01440-1308
Document Number	60397-305
Book / Page	60397 / 305
Instrument Date	May 13, 2019
Instrument	42755
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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	20 BERTHA AVE, GARDNER, MA 01440-1308

Mortgage

Document Number	42756
Date	May 13, 2019
Instrument	42756

Lender

Name	CLINTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Feb 15, 2018
Property Address	20 BERTHA AVE, GARDNER, MA 01440-1308
Document Number	58444-72
Book / Page	058444 / 000072
Instrument Date	Feb 7, 2018
Instrument	15422
Transaction Type	Foreclosure
Record Updated	Mar 7, 2018

Transaction

Amount	Amount on Record
Tax	$639.81
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3217 DECKER LAKE DR SALT LAKE CITY UT 841193284, SALT LAKE CITY, UT 84119-3284

Tax Assessment & Valuation

The 2026 property tax bill for 20 Bertha Ave was $4,183, up 9,859.5% from the year before.

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	Assessed Market Value
2026	$4,183.00 (+9,859.52%)	$303,800 (+1.84%) Land $77,300 Building $226,500	$352,343 (+13.14%)
2025	$42.00 (-99.01%)	$298,300 (+5.63%) Land $70,300 Building $228,000	$311,410
2024	$4,233.00 (+7.66%)	$282,400 (+15.83%) Land $63,900 Building $218,500
2023	$3,932.00	$243,800 Land $63,000 Building $180,800

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

Flood

FEMA maps place 20 Bertha Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 20 Bertha Ave 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.

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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