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20 Gardner St, Salisbury, MA 01952 Property Records

Essex County and Salisbury Town property record for 20 Gardner St, Salisbury, MA 01952

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,123 sqft · built 1952
Lot Size0.239 acres (10,402 sqft)
Owner2 Individual Names on Record
Last Sale$327,000 (Aug 2018)
Tax Bill$4,407 (2025)
Deeds & MortgagesApr 2024 Mortgage
Aug 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNSALI M:6 P:100

Property Details

APN / Parcel Number

Primary APNSALI M:6 P:100

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,123 sqft Living Area
Gross Area1,827 sqft
Basement Area864 sqft
Unfinished Basement605 sqft

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1953
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area10,402 sqft (0.239 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address20 GARDNER ST
CitySALISBURY
StateMA
Zip01952-1920
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
JurisdictionSALISBURY MA
Township / Civil DivisionSALISBURY
Census Block Group1
Census Block1003
Census Tract267102

Owner

Source: Essex County and Salisbury Town records, as of July 20, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address20 GARDNER ST, SALISBURY, MA 01952-1920
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 9, 2024Deed of Trust, Mortgage · FHA Mortgage
RELIANCE FIRST CAPITAL LLC
Aug 31, 2018Quit Claim Deed, Transfer · Conventional Mortgage
GUARANTEED RATE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 31, 2018 · Amount on Record
Deed SaleAug 31, 2018 · Amount on Record
Prior SaleJan 29, 2016 · Amount on Record
Deed Book / Page36981 / 54
Transfer Doc0036981-54
Record UpdatedOct 29, 2026

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSALISBURY MA
Property Address20 GARDNER ST, SALISBURY, MA 01952-1920
Transaction TypeMortgage
Record UpdatedApr 3, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number00042060-8
DateApr 9, 2024
Book Page42060/8
Instrument20240409001300
Lender
NameRELIANCE FIRST CAPITAL LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term301 Months
DueMay 1, 2049

August 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSALISBURY MA
Recording DateAug 31, 2018
Property Address20 GARDNER ST, SALISBURY, MA 01952-1920
Document Number36981-54
Book / Page036981 / 000054
Instrument DateAug 22, 2018
Instrument1808312160
Transaction TypeTransfer
Record UpdatedJan 15, 2019

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,491.12
Amount AccuracyConfirmed
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 GARDNER ST SALISBURY MA 019521920, SALISBURY, MA 01952-1920

Mortgage

Document Number36981-56
DateAug 31, 2018
Book Page036981/000056
Instrument1808312170
Lender
NameGUARANTEED RATE
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 30, 2048

Tax Assessment & Valuation

Source: Essex County and Salisbury Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyEssex County
County SubdivisionSalisbury Town
Unified School DistrictTriton School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,407.00 (+1.64%)$437,200 (+5.37%) Land $161,000 Building $276,200$455,810
2024$4,336.00 (+3.81%)$414,900 (+7.26%) Land $161,000 Building $253,900
2023$4,177.00$386,800 Land $161,000 Building $225,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 37 individual policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies40 units insured
incl. 3 condo units
Nearby Flood Claims24 (1979–2024)
Claims Outside the SFHA1 of 24
Most Recent ClaimJan 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 RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemSALISBURY WATER DIVISION
serves 9,334 people · EPA ID MA3259000
Water SourceGroundwater
Last State InspectionDec 2025
Lead2 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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

ProviderMax 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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