20 Gardner Ave, Sturbridge, MA 01566 Property Records

Worcester County and Sturbridge Town property record for 20 Gardner Ave, Sturbridge, MA 01566 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,634 sqft · built 1999
Lot Size	1.22 acres (53,143 sqft)
Owner	Individual Name on File
Last Sale	$196,000 (Sep 2013)
Tax Bill	$6,404 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`290-02544-020`

Property Details

APN / Parcel Number

Primary APN	`290-02544-020`
Alternative APNs	`STUR M:290 B:000 L:2544-020` `M:290 B:000 L:2544=020`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,634 sqft Living Area
Gross Area	3,064 sqft
Basement Area	608 sqft
Unfinished Basement	608 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	53,143 sqft (1.22 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	290-02544-020
Street Address	20 GARDNER AVE
City	STURBRIDGE
State	MA
Zip	01566-1555
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	GRAND VIEW TERRACE WEBSTER
Legal Lot Number	2544-20
Jurisdiction	STURBRIDGE MA
Township / Civil Division	STURBRIDGE
Census Block Group	1
Census Block	1037
Census Tract	758104

Owner

Source: Worcester County and Sturbridge Town records · APN 290-02544-020

Assessment roll updated April 14, 2026 · Last verified July 2026

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

Owner of Record	Individual Name on File
Mailing Address	20 GARDNER AVE, STURBRIDGE, MA 01566-1555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2017	Deed of Trust, Mortgage SHAMROCK FINANCIAL CORP
Jul 02, 2020	Deed of Trust, Mortgage · Conventional Mortgage SHAMROCK HM LNS
Jun 14, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 25, 2013 · Amount on Record
Deed Sale	Sep 25, 2013 · Amount on Record
Prior Sale	Sep 25, 2013 · Amount on Record
Deed Book / Page	51542 / 389
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	20 GARDNER AVE, STURBRIDGE, MA 01566-1555
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57319-161
Date	Jun 26, 2017
Book Page	57319/161
Instrument	66509

Lender

Name	SHAMROCK FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2047

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	20 GARDNER AVE, STURBRIDGE, MA 01566-1555
Document Number	62756-362
Instrument Date	Jul 02, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 GARDNER AVE STURBRIDGE MA 015661555, STURBRIDGE, MA 01566-1555

Mortgage

Document Number	62756-362
Date	Jul 08, 2020
Book Page	062756/000362
Instrument	73257

Lender

Name	SHAMROCK HM LNS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 07, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STURBRIDGE MA
Property Address	20 GARDNER AVE, STURBRIDGE, MA 01566-1555
Document Number	60755-300
Instrument Date	Jun 14, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 GARDNER AVE STURBRIDGE MA 015661555, STURBRIDGE, MA 01566-1555

Mortgage

Document Number	60755-300
Date	Jul 24, 2019
Book Page	060755/000300
Instrument	71687

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jul 23, 2059

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Worcester County and Sturbridge Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Sturbridge Town
Elementary School District	Sturbridge School District (PK - 06)
Secondary School District	Tantasqua School District (07 - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,404.00 (+1.43%)	$402,000 (+4.99%) Land $85,300 Building $316,700	$410,590 (-2.59%)
2024	$6,314.00 (+6.21%)	$382,900 (+16.38%) Land $83,600 Building $299,300	$421,515
2023	$5,945.00	$329,000 Land $72,700 Building $256,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277581041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 64 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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