237 Gardner Rd, Hubbardston, MA 01452 Property Records

Worcester County and Hubbardston Town property record for 237 Gardner Rd, Hubbardston, MA 01452

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,898 sqft · built 1989
Lot Size	1.83 acres (80,000 sqft)
Owner	Individual Name on File
Last Sale	$179,000 (Nov 2014)
Tax Bill	$4,463 (2026)
Deeds & Mortgages	Dec 2017 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HUBB M:0003 L:0176`

Property Details

APN / Parcel Number

Primary APN	`HUBB M:0003 L:0176`
Alternative APN	`M:0003 B:0000 L:00176`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,898 sqft Living Area
Gross Area	5,110 sqft
Basement Area	1,148 sqft
Unfinished Basement	1,148 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	80,000 sqft (1.83 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	237 GARDNER RD
City	HUBBARDSTON
State	MA
Zip	01452-1655
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	176
Jurisdiction	HUBBARDSTON MA
Township / Civil Division	HUBBARDSTON
Census Block Group	1
Census Block	1000
Census Tract	706100

Owner

237 Gardner Rd is owned and occupied by an individual who bought it in November 2014.

Source: Worcester County and Hubbardston Town 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	237 GARDNER RD, HUBBARDSTON, MA 01452-1655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2017	Deed of Trust, Mortgage TD BANK NA
Oct 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2014 · Amount on File
Deed Sale	Nov 14, 2014 · Amount on File
Prior Sale	Nov 17, 2010 · Amount on File
Deed Book / Page	53037 / 297
Transfer Doc	053037-297
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUBBARDSTON MA
Property Address	237 GARDNER RD, HUBBARDSTON, MA 01452-1655
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58123-215
Date	Dec 1, 2017
Book Page	58123/215
Instrument	134437

Lender

Name	TD BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2032

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUBBARDSTON MA
Property Address	237 GARDNER RD, HUBBARDSTON, MA 01452-1655
Document Number	61351-175
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	237 GARDNER RD HUBBARDSTON MA 014521655, HUBBARDSTON, MA 01452-1655

Mortgage

Document Number	61351-175
Date	Nov 1, 2019
Book Page	061351/000175
Instrument	117150

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 31, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 237 Gardner Rd was $4,463, up 2.2% from the year before.

Source: Worcester County and Hubbardston Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Hubbardston Town
Unified School District	Quabbin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,463.00 (+2.2%)	$399,200 (+6.77%) Land $42,200 Building $357,000	$312,550 (-)
2025	$4,367.00	$373,900 Land $42,200 Building $331,700	$312,550 (+6.3%)
2024			$294,025
2023	$3,635.00	$279,000 Land $39,200 Building $239,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 237 Gardner Rd in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 237 Gardner Rd is low, with a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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