31 Middle Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 31 Middle Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,048 sqft · built 1953
Lot Size	0.206 acres (8,985 sqft)
Owner	Individual Name on Record
Last Sale	$104,900 (Dec 2013)
Tax Bill	$36 (2025)
Deeds & Mortgages	Nov 2020 Refinance Dec 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:21 L:4`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:21 L:4`
Alternative APN	`M:K-25 B:0005 L:0004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,048 sqft Living Area
Gross Area	2,253 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,985 sqft (0.206 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	31 MIDDLE RD
City	GARDNER
State	MA
Zip	01440-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	21
Legal Lot Number	4
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3011
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, as of April 14, 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	31 MIDDLE RD, GARDNER, MA 01440-1824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Dec 30, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2013 · Amount on Record
Deed Sale	Dec 31, 2013 · Amount on Record
Prior Sale	Dec 31, 2013 · Amount on Record
Deed Book / Page	51911 / 162
Last Transfer Date	Nov 17, 2020
Transfer Doc	64107-19
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	31 MIDDLE RD, GARDNER, MA 01440-1824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63752-265
Date	Nov 16, 2020
Book Page	63752/265
Instrument	139545

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 30, 2020
Property Address	31 MIDDLE RD, GARDNER, MA 01440-1824
Document Number	64107-19
Book / Page	064107 / 000019
Instrument Date	Nov 17, 2020
Instrument	163706
Transaction Type	Transfer
Record Updated	Jan 19, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 MIDDLE RD GARDNER MA 014401824, GARDNER, MA 01440-1824

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$36.00 (-99%)	$255,100 (+6.56%) Land $67,900 Building $187,200	$256,405
2024	$3,589.00 (+7.29%)	$239,400 (+15.43%) Land $61,800 Building $177,600
2023	$3,345.00	$207,400 Land $60,900 Building $146,500

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 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.

Drinking Water

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

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 380 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

Cell Coverage

5G (outdoors only) and 4G LTE

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