1. Home
  2. Massachusetts
  3. Worcester County
  4. Sturbridge
  5. Gardner Ave

21 Gardner Ave, Sturbridge, MA 01566 Property Records

Worcester County and Sturbridge Town property record for 21 Gardner Ave, Sturbridge, MA 01566 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,661 sqft · built 1961
Lot Size0.42 acres (18,295 sqft)
OwnerIndividual Name on File
Last Sale$239,900 (Jun 2015)
Tax Bill$6,863 (2025)
Deeds & MortgagesSep 2025 Line of Credit
Jun 2025 Mortgage
Flood ZoneZone X (minimal risk)
APN290-02554-021

Property Details

APN / Parcel Number

Primary APN290-02554-021
Alternative APNs
  • STUR M:290 B:000 L:2554-021
  • M:290 B:000 L:2554=021

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,661 sqft Living Area
Gross Area3,768 sqft
Basement Area1,298 sqft
Unfinished Basement1,298 sqft

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1961
Architectural StyleRanch
Exterior MaterialAsbestos
Roof TypeGable
Roof MaterialAsphalt
Lot Area18,295 sqft (0.42 acres)

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil

Location & Zoning

Account Number290-02554-021
Street Address21 GARDNER AVE
CitySTURBRIDGE
StateMA
Zip01566-1554
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Lot Number2554-21
JurisdictionSTURBRIDGE MA
Township / Civil DivisionSTURBRIDGE
Census Block Group1
Census Block1037
Census Tract758104

Owner

Source: Worcester County and Sturbridge Town records · APN 290-02554-021

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 RecordIndividual Name on File
Mailing Address21 GARDNER AVE, STURBRIDGE, MA 01566-1554
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 11, 2025Deed of Trust, Mortgage · Line of Credit
CENTRAL ONE FCU
Jun 05, 2025Deed of Trust, Mortgage · FHA Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 22, 2015 · Amount on Record
Deed SaleJun 22, 2015 · Amount on Record
Prior SaleMar 08, 2005 · Amount on Record
Deed Document Number201558164
Deed Book / Page53883 / 304
Record UpdatedSep 20, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTURBRIDGE MA
Property Address21 GARDNER AVE, STURBRIDGE, MA 01566-1554
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number072520-272
DateSep 11, 2025
Book Page72520/272
Instrument77632
Lender
NameCENTRAL ONE FCU
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

June 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTURBRIDGE MA
Property Address21 GARDNER AVE, STURBRIDGE, MA 01566-1554
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0072080-89
DateJun 05, 2025
Book Page72080/89
Instrument45183
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeFHA Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
County SubdivisionSturbridge Town
Elementary School DistrictSturbridge School District (PK - 06)
Secondary School DistrictTantasqua 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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,863.00 (+11.16%)$430,800 (+15.06%) Land $68,700 Building $362,100$454,765 (-0.97%)
2024$6,174.00 (+5.76%)$374,400 (+15.88%) Land $67,300 Building $307,100$459,230
2023$5,838.00$323,100 Land $58,900 Building $264,200

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 58% of Massachusetts
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
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

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

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

Mobile Coverage

5G and 4G LTE

Nearby Properties on Gardner Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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