24 Montvale Rd, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,278 sqft · built 1958
Lot Size	0.31 acres (13,503 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Sep 2023)
Tax Bill	$4,771 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:S-12 B:0002 L:0054`

Property Details

APN / Parcel Number

Primary APN	`M:S-12 B:0002 L:0054`
Alternative APN	`GARD M:R12 B:14 L:54`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,278 sqft Living Area
Gross Area	2,892 sqft
Basement Area	1,278 sqft
Unfinished Basement	1,278 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,503 sqft (0.31 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	24 MONTVALE RD
City	GARDNER
State	MA
Zip	01440-3533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	14
Legal Lot Number	54
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2054
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 Record
Mailing Address	24 MONTVALE RD, GARDNER, MA 01440-3533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 25, 2023	Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
Dec 27, 2017	Deed of Trust, Mortgage · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2023 · Amount on Record
Deed Sale	Sep 25, 2023 · Amount on Record
Prior Sale	Feb 2, 2015 · Amount on Record
Deed Document Number	202379584
Deed Book / Page	69681 / 47
Transfer Doc	053322-132
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Apr 30, 2026
Property Address	24 MONTVALE RD, GARDNER, MA 01440-3533
Document Number	073510-139
Book / Page	73510 / 139
Instrument Date	Apr 22, 2026
Instrument	202633310
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 MONTVALE RD, GARDNER, MA 01440-3533

Mortgage

Document Number	0000033310,
Date	Apr 30, 2026
Book Page	73510/139
Instrument	202633310

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2041

Interest

Rate	5.75%
Max Rate	-1%

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 25, 2023
Property Address	24 MONTVALE RD, GARDNER, MA 01440-3533
Document Number	0069681-47
Book / Page	69681 / 47
Instrument Date	Sep 25, 2023
Instrument	79584
Transaction Type	Transfer
Record Updated	Oct 13, 2023

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	24 MONTVALE RD, GARDNER, MA 01440-3533

Mortgage

Document Number	0000079585
Date	Sep 25, 2023
Instrument	79585

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	24 MONTVALE RD, GARDNER, MA 01440-3533
Document Number	58309-353
Book / Page	058309 / 000353
Instrument Date	Dec 27, 2017
Transaction Type	Mortgage
Record Updated	Jan 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	58309-353
Date	Jan 11, 2018
Book Page	058309/000353
Instrument	3614

Lender

Name	STEARNS LNDG

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2048

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	$4,771.00 (+9,839.58%)	$346,500 (+2.67%) Land $85,500 Building $261,000	$375,052 (+6.01%)
2025	$48.00 (-98.9%)	$337,500 (+15.98%) Land $77,700 Building $259,800	$353,780
2024	$4,362.00 (+7.1%)	$291,000 (+15.25%) Land $70,700 Building $220,300
2023	$4,073.00	$252,500 Land $69,700 Building $182,800

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	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	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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