20 Franklin Ct, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 20 Franklin Ct, Gardner, MA 01440

Property Summary

Property Type	Apartments (5+ Units)
Details	7 bd · 5 ba · 4,004 sqft · built 1900
Lot Size	0.086 acres (3,736 sqft)
Owner	Individual Name on File
Last Sale	$114,400 (Oct 2009)
Tax Bill	$5,865 (2026)
Deeds & Mortgages	Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:O-25 B:0001 L:0027`

Property Details

APN / Parcel Number

Primary APN	`M:O-25 B:0001 L:0027`
Alternative APN	`GARD M:M27 B:24 L:61`

Interior

Bedrooms	7 Beds
Full Baths	5 Baths
Total Rooms	17 Rooms
Units	5 Units
Stories	3 Stories
Building Area	4,004 sqft Living Area
Gross Area	6,603 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Other
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	3,736 sqft (0.086 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	20 FRANKLIN CT
City	GARDNER
State	MA
Zip	01440-8304
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	R1
Legal Subdivision	EVA J & BARBARA M THOMPSON
Legal Block	24
Legal Lot Number	61
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1000
Census Tract	707300

Owner

20 Franklin Ct, a residential property, is owned by an individual who bought it in October 2009.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 485, LEOMINSTER, MA 01453-0485
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2009 · Amount on File
Deed Sale	Oct 1, 2009 · Amount on File
Prior Sale	Jun 22, 2009 · Amount on File
Deed Document Number	2009116595
Deed Book / Page	44916 / 307
Transfer Doc	0044458-44
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	20 FRANKLIN CT, GARDNER, MA 01440-8304
Document Number	57458-10
Book / Page	057458 / 000010
Instrument Date	Jul 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57458-10
Date	Jul 21, 2017
Book Page	057458/000010
Instrument	78197

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 20 Franklin Ct was $5,865, up 10,966% 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
2026	$5,865.00 (+10,966.04%)	$425,900 (+14.21%) Land $70,000 Building $355,900
2025	$53.00 (-98.88%)	$372,900 (+18.38%) Land $63,700 Building $309,200
2024	$4,722.00 (+0.7%)	$315,000 (+8.36%) Land $57,900 Building $257,100
2023	$4,689.00	$290,700 Land $57,000 Building $233,700

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

Flood

FEMA maps place 20 Franklin Ct 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 Franklin Ct 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	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.

Nearby Properties on Franklin Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures