Worcester County and Sturbridge Town property record for 4 Gardner Ave, Sturbridge, MA 01566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,520 sqft · built 1967 |
| Lot Size | 0.78 acres (33,977 sqft) |
| Owner | Individual Name on File |
| Last Sale | $239,500 (Jun 2008) |
| Tax Bill | $6,417 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Mar 2024 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 290-02544-004 |
| Primary APN | 290-02544-004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,520 sqft Living Area |
| Gross Area | 5,329 sqft |
| Basement Area | 1,520 sqft |
| Unfinished Basement | 1,520 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 33,977 sqft (0.78 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 290-02544-004 |
|---|---|
| Street Address | 4 GARDNER AVE |
| City | STURBRIDGE |
| State | MA |
| Zip | 01566-1555 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | GARDNER HEIGHTS |
| Legal Lot Number | 2544-4 |
| Jurisdiction | STURBRIDGE MA |
| Township / Civil Division | STURBRIDGE |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 758104 |
Source: Worcester County and Sturbridge Town records · APN 290-02544-004
Assessment roll updated April 14, 2026 · Last verified July 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 | 4 GARDNER AVE, STURBRIDGE, MA 01566-1555 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 28, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Mar 06, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC |
| Nov 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Feb 01, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Jul 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage RHODE ISLAND CU |
| May 11, 2017 | Deed of Trust, Mortgage · Conventional Mortgage RHODE ISLAND CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 30, 2008 · Amount on Record |
| Deed Sale | Jun 30, 2008 · Amount on Record |
| Deed Document Number | 200874147 |
| Deed Book / Page | 43037 / 234 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Recording Date | Apr 28, 2026 |
| Property Address | 4 GARDNER AVE, STURBRIDGE, MA 01566-1555 |
| Document Number | 0073499-79 |
| Book / Page | 73499 / 79 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 202632535 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4 GARDNER AVE, STURBRIDGE, MA 01566-1555 |
| Document Number | 0000032535, |
|---|---|
| Date | Apr 28, 2026 |
| Book Page | 73499/79 |
| Instrument | 202632535 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Property Address | 4 GARDNER AVE, STURBRIDGE, MA 01566-1555 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 070257-177 |
|---|---|
| Date | Mar 06, 2024 |
| Book Page | 70257/177 |
| Instrument | 16198 |
| Name | FIGURE LENDING LCC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Property Address | 4 GARDNER AVE, STURBRIDGE, MA 01566-1555 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 66501-77 |
|---|---|
| Date | Nov 10, 2021 |
| Book Page | 66501/77 |
| Instrument | 158089 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Property Address | 4 GARDNER AVE, STURBRIDGE, MA 01566-1555 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 64363-134 |
|---|---|
| Date | Feb 01, 2021 |
| Book Page | 64363/134 |
| Instrument | 14709 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 01, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Property Address | 4 GARDNER AVE, STURBRIDGE, MA 01566-1555 |
| Document Number | 60837-189 |
| Instrument Date | Jul 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4 GARDNER AVE STURBRIDGE MA 015661555, STURBRIDGE, MA 01566-1555 |
| Document Number | 60837-189 |
|---|---|
| Date | Aug 06, 2019 |
| Book Page | 060837/000189 |
| Instrument | 77898 |
| Name | RHODE ISLAND CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 05, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STURBRIDGE MA |
| Property Address | 4 GARDNER AVE, STURBRIDGE, MA 01566-1555 |
| Document Number | 57118-116 |
| Book / Page | 057118 / 000116 |
| Instrument Date | May 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2017 |
| Name | Verified Name |
|---|
| Document Number | 57118-116 |
|---|---|
| Date | May 15, 2017 |
| Book Page | 057118/000116 |
| Instrument | 49092 |
| Name | RHODE ISLAND CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 14, 2032 |
Source: Worcester County and Sturbridge Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Sturbridge Town |
| Elementary School District | Sturbridge School District (PK - 06) |
| Secondary School District | Tantasqua School District (07 - 12) |
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 | $6,417.00 (+10.58%) | $402,800 (+14.46%) Land $80,900 Building $321,900 | $424,175 (+2.88%) |
| 2024 | $5,803.00 (+5.95%) | $351,900 (+16.1%) Land $79,300 Building $272,600 | $412,300 |
| 2023 | $5,477.00 | $303,100 Land $69,100 Building $234,000 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277581041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 64 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | STURBRIDGE WATER DEPARTMENT serves 4,746 people |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Sep 2024 |
| Lead | 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | E. coli resolved · Jul 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. The full violation and enforcement history is in the system's EPA record.
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