3 Bancroft St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 3 Bancroft St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,944 sqft · built 1920
Lot Size	0.275 acres (11,958 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Jul 2015)
Tax Bill	$44 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:N-27 B:0013 L:0038`

Property Details

APN / Parcel Number

Primary APN	`M:N-27 B:0013 L:0038`
Alternative APN	`GARD M:M27 B:14 L:38`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,944 sqft Living Area
Gross Area	4,417 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,958 sqft (0.275 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	3 BANCROFT ST
City	GARDNER
State	MA
Zip	01440-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	14
Legal Lot Number	38
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2000
Census Tract	707400

Owner

Source: Worcester County and Gardner City records · APN M:N-27 B:0013 L:0038

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	3 BANCROFT ST, GARDNER, MA 01440-1903
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 14, 2015 · Amount on Record
Deed Sale	Jul 14, 2015 · Amount on Record
Prior Sale	Sep 29, 1995 · Amount on Record
Deed Book / Page	54005 / 277
Record Updated	Jun 08, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	3 BANCROFT ST, GARDNER, MA 01440-1903
Document Number	62995-278
Instrument Date	Aug 06, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 BANCROFT ST GARDNER MA 014401903, GARDNER, MA 01440-1903

Mortgage

Document Number	62995-278
Date	Aug 11, 2020
Book Page	062995/000278
Instrument	88901

Lender

Name	SHAMROCK HM LNS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2050

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$44.00 (-99.06%)	$311,800 (+0.32%) Land $69,700 Building $242,100	$394,535
2024	$4,659.00 (+8.22%)	$310,800 (+16.45%) Land $63,400 Building $247,400
2023	$4,305.00	$266,900 Land $62,500 Building $204,400

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 are read at the parcel center point; lenders make the official flood determination.

Internet Providers

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Gateway Fiber Holdings Fiber	2,000 / 2,000

May also be available: Verizon.

Based on FCC filings for 272 locations within half a mile of this property.

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 System	GARDNER WATER DEPARTMENT serves 21,381 people
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 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.