Worcester County and Gardner City property record for 38 Abbott St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,450 sqft · built 1914 |
| Lot Size | 0.391 acres (17,035 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $151,000 (Aug 2018) |
| Tax Bill | $4,590 (2026) |
| Deeds & Mortgages | Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:O-27 B:0006 L:0019 |
| Primary APN | M:O-27 B:0006 L:0019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,450 sqft Living Area |
| Gross Area | 3,406 sqft |
| Basement Area | 730 sqft |
| Unfinished Basement | 730 sqft |
| Year Built | Built 1914 |
|---|---|
| Effective Year Built | Effective 1914 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 17,035 sqft (0.391 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 38 ABBOTT ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 15 |
| Legal Lot Number | 19 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City 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 | 38 ABBOTT ST, GARDNER, MA 01440-1611 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2018 · Amount on Record |
| Deed Sale | Aug 1, 2018 · Amount on Record |
| Prior Sale | Jul 18, 2006 · Amount on Record |
| Deed Book / Page | 59200 / 3 |
| Transfer Doc | 00059200-3 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Aug 1, 2018 |
| Property Address | 38 ABBOTT ST, GARDNER, MA 01440-1611 |
| Document Number | 59200-3 |
| Book / Page | 59200 / 3 |
| Instrument | 80080 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32.09 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38 ABBOTT ST, GARDNER, MA 01440-1611 |
| Document Number | 592000007 |
|---|---|
| Date | Aug 1, 2018 |
| Instrument | 59200/0007 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 1, 2048 |
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 | $4,590.00 (+10,331.82%) | $333,300 (+7.93%) Land $80,100 Building $253,200 | $351,166 (+28.62%) |
| 2025 | $44.00 (-98.99%) | $308,800 (+6.19%) Land $72,800 Building $236,000 | $273,030 |
| 2024 | $4,359.00 (+2.13%) | $290,800 (+9.9%) Land $66,200 Building $224,600 | |
| 2023 | $4,268.00 | $264,600 Land $65,300 Building $199,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · rainfall accumulation |
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.
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 |
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 272 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 |
May also be available: Verizon.
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