293 Lower Rd, Gilbertville, MA 01031 Property Records

Worcester County and Hardwick Town property record for 293 Lower Rd, Gilbertville, MA 01031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,422 sqft · built 1987
Lot Size	1.48 acres (64,469 sqft)
Owner	2 Individual Names on Record
Last Sale	$139,000 (Jul 2016)
Tax Bill	$4,716 (2026)
Deeds & Mortgages	Sep 2019 Refinance Feb 2021 Refinance
APN	`1120-00030`

Property Details

APN / Parcel Number

Primary APN	`1120-00030`
Alternative APNs	`HARD M:1120 B:0000 L:0003-0` `M:1120 B:0000 L:0003=0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,422 sqft Living Area
Gross Area	3,266 sqft
1st Floor Area	1,422 sqft
Basement Area	1,422 sqft
Unfinished Basement	1,422 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	64,469 sqft (1.48 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1120-00030
Street Address	293 LOWER RD
City	GILBERTVILLE
State	MA
Zip	01031-9840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Lot Number	3-0
Jurisdiction	HARDWICK MA
Township / Civil Division	HARDWICK
Census Block Group	1
Census Block	1079
Census Tract	723100

Owner

Source: Worcester County and Hardwick Town 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	293 LOWER RD, GILBERTVILLE, MA 01031-9840
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH BROOKFIELD SAVINGS BANK
Feb 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN FINANCING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2016 · Amount on Record
Deed Sale	Jul 5, 2016 · Amount on Record
Prior Sale	Jul 6, 2015 · Amount on Record
Deed Document Number	201671468
Deed Book / Page	55592 / 89
Transfer Doc	053966-337
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDWICK MA
Property Address	293 LOWER RD, GILBERTVILLE, MA 01031-9840
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	061102-184
Date	Sep 24, 2019
Book Page	61102/184
Instrument	98701

Lender

Name	NORTH BROOKFIELD SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2034

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDWICK MA
Property Address	293 LOWER RD, GILBERTVILLE, MA 01031-9840
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064381-251
Date	Feb 2, 2021
Book Page	64381/251
Instrument	15849

Lender

Name	AMERICAN FINANCING

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Worcester County and Hardwick Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Hardwick Town
Unified School District	Quabbin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,716.00 (+6.7%)	$370,200 (+10.15%) Land $44,400 Building $315,800	$386,290 (+40.6%)
2025	$4,420.00 (+4.2%)	$336,100 (-) Land $44,400 Building $291,700	$274,740 (-13.54%)
2024	$4,242.00 (+5.29%)	$336,100 (+10.96%) Land $44,400 Building $291,700	$317,775
2023	$4,029.00	$302,900 Land $42,400 Building $260,500

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	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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