34 Gardner Rd, Ashburnham, MA 01430 Property Records

Worcester County and Ashburnham Town property record for 34 Gardner Rd, Ashburnham, MA 01430

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,872 sqft · built 2002
Lot Size	2.07 acres (90,492 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Oct 2021)
Tax Bill	$7,584 (2025)
Deeds & Mortgages	May 2026 Second Mortgage Feb 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:0017 B:00009J`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:0017 B:00009J`
Alternative APN	`ABHM M:0017 B:00009J`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
Gross Area	4,116 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	90,492 sqft (2.07 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	34 GARDNER RD
City	ASHBURNHAM
State	MA
Zip	01430-1622
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	9J
Jurisdiction	ASHBURNHAM MA
Township / Civil Division	ASHBURNHAM
Census Block Group	3
Census Block	3010
Census Tract	700100

Owner

Source: Worcester County and Ashburnham Town assessment roll, 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 File
Mailing Address	34 GARDNER RD, ASHBURNHAM, MA 01430-1622
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIDELITY COOPERATIVE BANK
Feb 20, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) FIDELITY COOPERATIVE BANK
Oct 5, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 5, 2021 · Amount on Record
Deed Sale	Oct 5, 2021 · Amount on Record
Prior Sale	Feb 10, 2003 · Amount on Record
Deed Document Number	202122155
Deed Book / Page	10129 / 289
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBURNHAM MA
Recording Date	May 28, 2026
Property Address	34 GARDNER RD, ASHBURNHAM, MA 01430-1622
Document Number	011221-305
Book / Page	11221 / 305
Instrument Date	May 19, 2026
Instrument	20266868
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 GARDNER RD, ASHBURNHAM, MA 01430-1622

Mortgage

Document Number	0000006868,
Date	May 28, 2026
Book Page	11221/305
Instrument	20266868

Lender

Name	FIDELITY COOPERATIVE BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate	6.23%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBURNHAM MA
Property Address	34 GARDNER RD, ASHBURNHAM, MA 01430-1622
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010714-337
Date	Feb 20, 2024
Book Page	10714/337
Instrument	1979

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	61 Months
Due	Mar 1, 2029

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBURNHAM MA
Recording Date	Oct 5, 2021
Property Address	34 GARDNER RD, ASHBURNHAM, MA 01430-1622
Document Number	10129-289
Book / Page	10129 / 289
Instrument Date	Oct 5, 2021
Instrument	22155
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	34 GARDNER RD, ASHBURNHAM, MA 01430-1622

Mortgage

Document Number	22156
Date	Oct 5, 2021
Instrument	22156

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,584.00 (+3%)	$510,000 (+9.09%) Land $40,700 Building $469,300	$476,900 (+1.5%)
2024	$7,363.00 (+5.47%)	$467,500 (+10.83%) Land $40,400 Building $427,100	$469,870
2023	$6,981.00	$421,800 Land $40,400 Building $381,400

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	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile USA.

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