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20 Talcott Ave, Gardner, MA 01440 Property Records

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

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,370 sqft · built 1925
Lot Size0.769 acres (33,495 sqft)
OwnerIndividual Name on File
Last Sale$200,000 (Dec 2018)
Tax Bill$4,829 (2026)
Deeds & MortgagesDec 2018 Sale & Line of Credit
Flood ZoneZone X (minimal risk)
APNGARD M:M17 B:8 L:10

Property Details

APN / Parcel Number

Primary APNGARD M:M17 B:8 L:10
Alternative APN
  • M:M-18 B:0003 L:0010

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,370 sqft Living Area
Gross Area2,770 sqft
Basement Area806 sqft
Unfinished Basement806 sqft

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1925
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area33,495 sqft (0.769 acres)

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil

Location & Zoning

Street Address20 TALCOTT AVE
CityGARDNER
StateMA
Zip01440-2836
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal SubdivisionWEST BROADWAY GARDNER
Legal Block8
Legal Lot Number10
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group2
Census Block2025
Census Tract707300

Owner

20 Talcott Ave is owned and occupied by an individual who bought it in December 2018.

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

Owner of RecordIndividual Name on File
Mailing Address20 TALCOTT AVE, GARDNER, MA 01440-2836
OccupancyOwner Occupied
Owner TypeIndividual

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 NamesName on Deed
Last SaleDec 4, 2018 · Amount on File
Deed SaleDec 4, 2018 · Amount on File
Prior SaleDec 19, 2008 · Amount on File
Deed Book / Page59773 / 26
Prior Transfer DateDec 3, 2018
Prior Transfer Doc59773-26
Record UpdatedOct 29, 2026

December 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateDec 4, 2018
Property Address20 TALCOTT AVE, GARDNER, MA 01440-2836
Document Number59773-26
Book / Page059773 / 000026
Instrument DateDec 3, 2018
Instrument128259
Transaction TypeTransfer
Record UpdatedDec 27, 2018

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$912.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 TALCOTT AVE GARDNER MA 014402836, GARDNER, MA 01440-2836

Mortgage

Document Number59773-48
DateDec 4, 2018
Book Page059773/000048
Instrument128261
Lender
NameGUARANTEED RATE
Agreement
TypeLine of Credit
AmountAmount on Record
Term180 Months
DueDec 3, 2033
Interest
Rate TypeAdjustable Rate

Mortgage

Document Number59773-29,
DateDec 4, 2018
Book Page059773/000029
Instrument128260
Lender
NameGUARANTEED RATE
Agreement
AmountAmount on Record
Term360 Months
DueDec 3, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 20 Talcott Ave was $4,829, up 10,397.8% from the year before.

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,829.00 (+10,397.83%)$350,700 (+8.37%) Land $90,000 Building $260,700$365,362 (+20.79%)
2025$46.00 (-99%)$323,600 (+5.75%) Land $81,800 Building $241,800$302,480
2024$4,587.00 (+2.66%)$306,000 (+10.47%) Land $74,500 Building $231,500
2023$4,468.00$277,000 Land $73,300 Building $203,700

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

Flood

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

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force

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

Wildfire risk around 20 Talcott 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 RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within 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 SystemGARDNER WATER DEPARTMENT
serves 21,381 people · EPA ID MA2103000
Water SourceSurface water
Last State InspectionOct 2024
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 99 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Gateway Fiber
Fiber		2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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