Worcester County and Gardner City property record for 28 Holly Dr, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,632 sqft · built 1984 |
| Lot Size | 1.38 acres (60,436 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $391,500 (Dec 2022) |
| Tax Bill | $5,838 (2026) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Aug 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:H37 B:1 L:36 |
| Primary APN | GARD M:H37 B:1 L:36 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,632 sqft Living Area |
| Gross Area | 3,830 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 60,436 sqft (1.38 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 28 HOLLY DR |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 1 |
| Legal Lot Number | 36 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 707400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 28 HOLLY DR, GARDNER, MA 01440-1226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 16, 2022 | Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC |
| Aug 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Feb 6, 2019 | Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS |
| Nov 24, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MALTEMPO FAMILY CHAR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 16, 2022 · Amount on Record |
| Deed Sale | Dec 16, 2022 · Amount on Record |
| Prior Sale | Feb 3, 1993 · Amount on Record |
| Deed Document Number | 2022133076 |
| Deed Book / Page | 68619 / 24 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 16, 2022 |
| Property Address | 28 HOLLY DR, GARDNER, MA 01440-1226 |
| Document Number | 0068619-24 |
| Book / Page | 68619 / 24 |
| Instrument Date | Dec 16, 2022 |
| Instrument | 133076 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 HOLLY DR, GARDNER, MA 01440-1226 |
| Document Number | 0000133077 |
|---|---|
| Date | Dec 16, 2022 |
| Instrument | 133077 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 28 HOLLY DR, GARDNER, MA 01440-1226 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 65934-155 |
|---|---|
| Date | Aug 30, 2021 |
| Book Page | 65934/155 |
| Instrument | 121024 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 28 HOLLY DR, GARDNER, MA 01440-1226 |
| Document Number | 60039-178 |
| Instrument Date | Feb 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2019 |
| Name | Verified Name |
|---|---|
| Address | 28 HOLLY DR GARDNER MA 014401226, GARDNER, MA 01440-1226 |
| Document Number | 60039-178 |
|---|---|
| Date | Feb 12, 2019 |
| Book Page | 060039/000178 |
| Instrument | 13254 |
| Name | BROKER SOLUTIONS |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 11, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 28 HOLLY DR, GARDNER, MA 01440-1226 |
| Document Number | 58094-140 |
| Book / Page | 058094 / 000140 |
| Instrument Date | Nov 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|
| Document Number | 58094-140 |
|---|---|
| Date | Nov 27, 2017 |
| Book Page | 058094/000140 |
| Instrument | 41 |
| Name | MALTEMPO FAMILY CHAR |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,838.00 (+9.28%) | $424,000 (+13.98%) Land $96,100 Building $327,900 | $430,221 (-4.48%) |
| 2025 | $5,342.00 (-1.48%) | $372,000 (+2.85%) Land $87,100 Building $284,900 | $450,395 |
| 2024 | $5,422.00 (+6.44%) | $361,700 (+14.53%) Land $79,300 Building $282,400 | |
| 2023 | $5,094.00 | $315,800 Land $78,000 Building $237,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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.
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.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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