Worcester County and Gardner City property record for 28 Pond St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,160 sqft · built 1958 |
| Lot Size | 0.129 acres (5,625 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Apr 2023) |
| Tax Bill | $4,152 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Apr 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:1 L:29 |
| Primary APN | GARD M:M22 B:1 L:29 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,160 sqft Living Area |
| Gross Area | 2,774 sqft |
| Basement Area | 800 sqft |
| Unfinished Basement | 800 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,625 sqft (0.129 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 28 POND ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1864 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 1 |
| Legal Lot Number | 29 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 707400 |
28 Pond St is owned and occupied by an individual who bought it in April 2023.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 28 POND ST, GARDNER, MA 01440-1864 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 13, 2026 | Deed of Trust, Mortgage WEBSTER FIRST FCU |
| Apr 28, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage POWERTPO A DBA OF LOW |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 28, 2023 · Amount on File |
| Deed Sale | Apr 28, 2023 · Amount on File |
| Prior Sale | Nov 5, 2012 |
| Deed Book / Page | 69071 / 293 |
| Prior Transfer Date | Apr 27, 2023 |
| Prior Transfer Doc | 069071-293 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OXFORD MA |
| Property Address | 28 POND ST, GARDNER, MA 01440-1864 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 073312-166 |
|---|---|
| Date | Mar 13, 2026 |
| Book Page | 73312/166 |
| Instrument | 19506 |
| Name | WEBSTER FIRST FCU |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 28, 2023 |
| Property Address | 28 POND ST, GARDNER, MA 01440-1864 |
| Document Number | 069071-293 |
| Book / Page | 69071 / 293 |
| Instrument Date | Apr 27, 2023 |
| Instrument | 32418 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| 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 POND ST, GARDNER, MA 01440-1864 |
| Document Number | 0000032419 |
|---|---|
| Date | Apr 28, 2023 |
| Instrument | 32419 |
| Name | POWERTPO A DBA OF LOW |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 28 Pond St was $4,152, up 9,785.7% from the year before.
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 | $4,152.00 (+9,785.71%) | $301,500 (+1.82%) Land $72,600 Building $228,900 | $332,358 (+17.95%) |
| 2025 | $42.00 (-99.02%) | $296,100 (+3.79%) Land $66,000 Building $230,100 | $281,770 |
| 2024 | $4,277.00 (+9%) | $285,300 (+17.26%) Land $60,000 Building $225,300 | |
| 2023 | $3,924.00 | $243,300 Land $59,100 Building $184,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Pond St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 28 Pond St is low, with less than 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 95% of the US · lower than 90% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 356 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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