Worcester County and Gardner City property record for 21 Middle Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,216 sqft · built 1960 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $42 (2025) |
| Deeds & Mortgages | Jan 2024 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M27 B:21 L:6 |
| Primary APN | GARD M:M27 B:21 L:6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,216 sqft Living Area |
| Gross Area | 2,718 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,500 sqft (0.172 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Oil |
| Street Address | 21 MIDDLE RD |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 21 |
| Legal Lot Number | 6 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City assessment roll, as of April 14, 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 | 21 MIDDLE RD, GARDNER, MA 01440-1824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 21 MIDDLE RD, GARDNER, MA 01440-1824 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2024 |
| Name | Verified Name |
|---|
| Document Number | 070083-177 |
|---|---|
| Date | Jan 10, 2024 |
| Book Page | 70083/177 |
| Instrument | 2276 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2039 |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $42.00 (-98.99%) | $294,100 (+6.44%) Land $67,100 Building $227,000 | $315,115 |
| 2024 | $4,142.00 (+7.14%) | $276,300 (+15.27%) Land $61,000 Building $215,300 | |
| 2023 | $3,866.00 | $239,700 Land $60,100 Building $179,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 86% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 380 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Holdings Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures