21 Bertha Ave, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 21 Bertha Ave, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,009 sqft · built 1948
Lot Size	0.244 acres (10,629 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,540 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:8 L:27`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:8 L:27`
Alternative APN	`M:R-28 B:0008 L:0027`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,009 sqft Living Area
Gross Area	2,203 sqft
Basement Area	516 sqft
Unfinished Basement	516 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,629 sqft (0.244 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	21 BERTHA AVE
City	GARDNER
State	MA
Zip	01440-1307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	8
Legal Lot Number	27
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1031
Census Tract	707500

Owner

21 Bertha Ave is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 BERTHA AVE, GARDNER, MA 01440-1307
Occupancy	Owner Occupied
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

Date	Document
Mar 6, 2026	Deed of Trust, Mortgage FED HSNG COMMISSIONER
Mar 6, 2026	Deed of Trust, Mortgage LONGBRIDGE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	21 BERTHA AVE, GARDNER, MA 01440-1307
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073277-287
Date	Mar 6, 2026
Book Page	73277/287
Instrument	17110

Lender

Name	FED HSNG COMMISSIONER

Agreement

Amount	Amount on Record
Term	937 Months
Due	Apr 1, 2104

Interest

Rate Type	Adjustable Rate

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	21 BERTHA AVE, GARDNER, MA 01440-1307
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073277-272
Date	Mar 6, 2026
Book Page	73277/272
Instrument	17109

Lender

Name	LONGBRIDGE FINANCIAL LLC

Agreement

Amount	Amount on Record
Term	937 Months
Due	Apr 1, 2104

Tax Assessment & Valuation

The 2026 property tax bill for 21 Bertha Ave was $3,540, down 2.2% 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	$3,540.00 (-2.21%)	$257,100 (+1.98%) Land $75,800 Building $181,300	$262,675
2025	$3,620.00 (+1.26%)	$252,100 (+5.7%) Land $68,900 Building $183,200
2024	$3,575.00 (+7.91%)	$238,500 (+16.11%) Land $62,700 Building $175,800
2023	$3,313.00	$205,400 Land $61,800 Building $143,600

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

Flood

FEMA maps place 21 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 21 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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Gateway Fiber, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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