23 Mayfield Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 23 Mayfield Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,448 sqft · built 1930
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Jun 2005)
Tax Bill	$4,938 (2026)
Deeds & Mortgages	Jan 2026 Mortgage May 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:S-12 B:0007 L:0048`

Property Details

APN / Parcel Number

Primary APN	`M:S-12 B:0007 L:0048`
Alternative APN	`GARD M:R12 B:14 L:48`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,448 sqft Living Area
Gross Area	3,366 sqft
Basement Area	426 sqft
Unfinished Basement	426 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	23 MAYFIELD RD
City	GARDNER
State	MA
Zip	01440-3530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	14
Legal Lot Number	48
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2056
Census Tract	707100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	23 MAYFIELD RD, GARDNER, MA 01440-3530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU
May 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2005 · Amount on File
Deed Sale	Jun 29, 2005 · Amount on File
Deed Document Number	2005103773
Deed Book / Page	36674 / 270
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	23 MAYFIELD RD, GARDNER, MA 01440-3530
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073086-202
Date	Jan 15, 2026
Book Page	73086/202
Instrument	3481

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Type Change Date	Feb 1, 2031
Index	1-Year CMT

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	23 MAYFIELD RD, GARDNER, MA 01440-3530
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62455-148
Date	May 26, 2020
Book Page	62455/148
Instrument	53029

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

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
2026	$4,938.00 (+10,406.38%)	$358,600 (+8.24%) Land $85,500 Building $273,100	$366,596 (+5.9%)
2025	$47.00 (-99%)	$331,300 (+6.12%) Land $77,700 Building $253,600	$346,180
2024	$4,680.00 (+3.04%)	$312,200 (+10.87%) Land $70,700 Building $241,500
2023	$4,542.00	$281,600 Land $69,700 Building $211,900

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	2 in force

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	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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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