22 Halford St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 22 Halford St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,297 sqft · built 1925
Lot Size	0.124 acres (5,400 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Dec 2021)
Tax Bill	$47 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Apr 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:L-27 B:0005 L:0037`

Property Details

APN / Parcel Number

Primary APN	`M:L-27 B:0005 L:0037`
Alternative APN	`GARD M:M27 B:12 L:37`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,297 sqft Living Area
Gross Area	2,586 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,400 sqft (0.124 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	22 HALFORD ST
City	GARDNER
State	MA
Zip	01440-1948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	12
Legal Lot Number	37
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1036
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, 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 Record
Mailing Address	22 HALFORD ST, GARDNER, MA 01440-1948
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2021	Quit Claim Deed, Transfer · FHA Mortgage EQUITY PRIME MTG
Apr 25, 2018	Quit Claim Deed, Transfer · FHA Mortgage VILLAGE MORTGAGE CORPORATION
Apr 19, 2017	Quit Claim Deed, Transfer MARC P TIEGER
Mar 10, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2021 · Amount on Record
Deed Sale	Dec 3, 2021 · Amount on Record
Prior Sale	Apr 25, 2018 · Amount on Record
Deed Book / Page	66674 / 392
Record Updated	Jun 8, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 3, 2021
Property Address	22 HALFORD ST, GARDNER, MA 01440-1948
Document Number	066674-392
Book / Page	66674 / 392
Instrument Date	Dec 3, 2021
Instrument	169773
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 HALFORD ST, GARDNER, MA 01440-1948

Mortgage

Document Number	0000169774
Date	Dec 3, 2021
Instrument	169774

Lender

Name	EQUITY PRIME MTG

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 25, 2018
Property Address	22 HALFORD ST, GARDNER, MA 01440-1948
Document Number	58710-231
Book / Page	58710 / 231
Instrument	38697
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29.23
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 HALFORD ST, GARDNER, MA 01440-1948

Mortgage

Document Number	587100234
Date	Apr 25, 2018
Instrument	58710/0234

Lender

Name	VILLAGE MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2048

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 19, 2017
Property Address	22 HALFORD ST, GARDNER, MA 01440-1948
Document Number	56994-372
Book / Page	056994 / 000372
Instrument Date	Apr 13, 2017
Instrument	38847
Transaction Type	Transfer
Record Updated	May 9, 2017

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 HALFORD ST GARDNER MA 014401948, GARDNER, MA 01440-1948

Mortgage

Document Number	56995-73
Date	Apr 19, 2017
Book Page	056995/000073
Instrument	38858

Lender

Name	MARC P TIEGER

Agreement

Amount	Amount Recorded

March 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Mar 10, 2017
Property Address	22 HALFORD ST, GARDNER, MA 01440-1948
Document Number	56832-315
Book / Page	056832 / 000315
Instrument Date	Feb 17, 2017
Instrument	24605
Transaction Type	Foreclosure
Record Updated	Mar 28, 2017

Transaction

Amount	Amount Recorded
Tax	$638.40
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13801 WIRELESS WAY OKLAHOMA CITY OK 731342500, OKLAHOMA CITY, OK 73134-2500

Tax Assessment & Valuation

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
2025	$47.00 (-99.02%)	$329,700 (+3%) Land $65,800 Building $263,900	$340,480
2024	$4,798.00 (+8.75%)	$320,100 (+17.04%) Land $59,900 Building $260,200
2023	$4,412.00	$273,500 Land $59,000 Building $214,500

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 November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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 Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 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 380 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Gateway Fiber Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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