24 Bear Hill Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 24 Bear Hill Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,148 sqft · built 1990
Lot Size	0.391 acres (17,030 sqft)
Owner	2 Individual Names on Record
Last Sale	$402,500 (Feb 2022)
Tax Bill	$6,181 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:H37 B:9 L:13`

Property Details

APN / Parcel Number

Primary APN	`GARD M:H37 B:9 L:13`
Alternative APN	`M:J-39 B:0057 L:0009`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,148 sqft Living Area
Gross Area	3,852 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,030 sqft (0.391 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	24 BEAR HILL RD
City	GARDNER
State	MA
Zip	01440-1242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	DEERBERRY RDG
Legal Block	9
Legal Lot Number	13
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1014
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, as of October 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	24 BEAR HILL RD, GARDNER, MA 01440-1242
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Dec 11, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BAY EQUITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2022 · Amount on Record
Deed Sale	Feb 25, 2022 · Amount on Record
Prior Sale	Dec 11, 2020 · Amount on Record
Deed Book / Page	67175 / 335
Record Updated	Oct 29, 2026

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 25, 2022
Property Address	24 BEAR HILL RD, GARDNER, MA 01440-1242
Document Number	067175-335
Book / Page	67175 / 335
Instrument Date	Feb 25, 2022
Instrument	22245
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	Joint Tenants with Right of Survivorship
Address	24 BEAR HILL RD, GARDNER, MA 01440-1242

Mortgage

Document Number	0000022246
Date	Feb 25, 2022
Instrument	22246

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 11, 2020
Property Address	24 BEAR HILL RD, GARDNER, MA 01440-1242
Document Number	63959-133
Book / Page	63959 / 133
Instrument Date	Dec 9, 2020
Instrument	153824
Transaction Type	Transfer
Record Updated	May 12, 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
Relationship	Joint Tenants
Address	24 BEAR HILL RD, GARDNER, MA 01440-1242

Mortgage

Document Number	153825
Date	Dec 11, 2020
Instrument	153825

Lender

Name	BAY EQUITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$6,181.00 (+10,937.5%)	$448,900 (+13.91%) Land $88,100 Building $360,800	$490,773 (+0.1%)
2025	$56.00 (-99.05%)	$394,100 (+0.61%) Land $80,100 Building $314,000	$490,295
2024	$5,872.00 (+3.71%)	$391,700 (+11.6%) Land $72,800 Building $318,900
2023	$5,662.00	$351,000 Land $71,800 Building $279,200

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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