23 Gardner St, Salisbury, MA 01952 Property Records

Essex County and Salisbury Town property record for 23 Gardner St, Salisbury, MA 01952

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,786 sqft · built 1957
Lot Size	0.166 acres (7,244 sqft)
Owner	2 Individual Names on Record
Last Sale	$455,000 (Jun 2021)
Tax Bill	$4,359 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Nov 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SALI M:6 P:86`

Property Details

APN / Parcel Number

Primary APN	`SALI M:6 P:86`
Alternative APN	`448/25&4`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,786 sqft Living Area
Gross Area	2,730 sqft
Basement Area	1,183 sqft
Unfinished Basement	580 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,244 sqft (0.166 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	448/25 & 4
Street Address	23 GARDNER ST
City	SALISBURY
State	MA
Zip	01952-1919
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	DONEGAL ROAD
Jurisdiction	SALISBURY MA
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1006
Census Tract	267102

Owner

Source: Essex County and Salisbury Town records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	23 GARDNER ST, SALISBURY, MA 01952-1919
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE EQUITY PARTNERS LLC
Nov 5, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Aug 29, 2018	Quit Claim Deed, Transfer RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2021 · Amount on Record
Deed Sale	Jun 28, 2021 · Amount on Record
Prior Sale	Aug 29, 2018
Deed Book / Page	40027 / 541
Prior Transfer Date	Sep 30, 2019
Prior Transfer Doc	37999-65
Record Updated	Sep 20, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALISBURY MA
Recording Date	Jun 28, 2021
Property Address	23 GARDNER ST, SALISBURY, MA 01952-1919
Document Number	040027-541
Book / Page	40027 / 541
Instrument Date	Jun 28, 2021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	23 GARDNER ST, SALISBURY, MA 01952-1919

Mortgage

Document Number	0040027544
Date	Jun 28, 2021
Instrument	40027/544

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALISBURY MA
Recording Date	Nov 5, 2019
Property Address	23 GARDNER ST, SALISBURY, MA 01952-1919
Document Number	0037999-65
Book / Page	37999 / 65
Instrument Date	Sep 30, 2019
Instrument	20191105000130
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 GARDNER ST, SALISBURY, MA 01952-1919

Mortgage

Document Number	0037999-68
Date	Nov 5, 2019
Book Page	37999/68
Instrument	20191105000140

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALISBURY MA
Recording Date	Aug 29, 2018
Property Address	23 GARDNER ST, SALISBURY, MA 01952-1919
Document Number	036973-402
Book / Page	36973 / 402
Instrument	180829003920
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Tax	$33.27
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036973-404
Date	Aug 29, 2018
Book Page	36973/404
Instrument	180829003930

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2028

Tax Assessment & Valuation

Source: Essex County and Salisbury Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Salisbury Town
Unified School District	Triton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,359.00 (+2.42%)	$432,400 (+6.16%) Land $159,700 Building $272,700	$554,705
2024	$4,256.00 (+3.43%)	$407,300 (+6.9%) Land $159,700 Building $247,600
2023	$4,115.00	$381,000 Land $159,700 Building $221,300

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 July 10, 2026 · 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
Flood Insurance Cost	Premium on Record median of 37 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	40 units insured incl. 3 condo units
Nearby Flood Claims	24 (1979–2024)
Claims Outside the SFHA	1 of 24
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, Apr 2010 · 3 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 7 claims

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SALISBURY WATER DIVISION serves 9,334 people · EPA ID MA3259000
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Breezeline Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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