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  5. Bear Hill Rd

25 Bear Hill Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 25 Bear Hill Rd, Gardner, MA 01440

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,786 sqft · built 1990
Lot Size0.318 acres (13,851 sqft)
OwnerIndividual Name on File
Last Sale$167,900 (Oct 2012)
Tax Bill$59 (2025)
Deeds & MortgagesApr 2021 Mortgage
Sep 2023 Mortgage
Flood ZoneZone X (minimal risk)
APNGARD M:H37 B:9 L:18

Property Details

APN / Parcel Number

Primary APNGARD M:H37 B:9 L:18
Alternative APN
  • M:I-39 B:0067 L:0018

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,786 sqft Living Area
Gross Area2,772 sqft

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Architectural StyleCape Cod
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialMetal
Lot Area13,851 sqft (0.318 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Street Address25 BEAR HILL RD
CityGARDNER
StateMA
Zip01440-1244
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionDEERBERRY RDG
Legal Block9
Legal Lot Number18
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group1
Census Block1013
Census Tract707400

Owner

Source: Worcester County and Gardner City records · APN GARD M:H37 B:9 L:18

Assessment roll updated April 14, 2026 · Last verified August 2026

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

Owner of RecordIndividual Name on File
Mailing Address25 BEAR HILL RD, GARDNER, MA 01440-1244
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 22, 2021Deed of Trust, Mortgage · Balloon Mortgage
FIGURE LENDING LCC
Sep 21, 2023Deed of Trust, Mortgage · FHA Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 09, 2012 · Amount on Record
Deed SaleOct 09, 2012 · Amount on Record
Prior SaleNov 21, 2008 · Amount on Record
Deed Book / Page49747 / 237
Record UpdatedSep 20, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Property Address25 BEAR HILL RD, GARDNER, MA 01440-1244
Transaction TypeMortgage
Record UpdatedApr 03, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number064993-385
DateApr 22, 2021
Book Page64993/385
Instrument55303
Lender
NameFIGURE LENDING LCC
Agreement
TypeBalloon Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051

September 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Property Address25 BEAR HILL RD, GARDNER, MA 01440-1244
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number069666-239
DateSep 21, 2023
Book Page69666/239
Instrument78464
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term481 Months
DueOct 01, 2063

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$59.00 (-99.02%)$413,100 (+2.91%) Land $77,900 Building $335,200$372,020
2024$6,017.00 (+6.42%)$401,400 (+14.52%) Land $70,900 Building $330,500
2023$5,654.00$350,500 Land $69,900 Building $280,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims1 (2016)
Claims Outside the SFHA1 of 1
Most Recent ClaimFeb 2016 · rainfall accumulation

Wildfire

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 136 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemGARDNER WATER DEPARTMENT
serves 21,381 people
Water SourceSurface water
Last State InspectionOct 2024
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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