4 Gardner Rd, Hubbardston, MA 01452 Property Records

Worcester County and Hubbardston Town property record for 4 Gardner Rd, Hubbardston, MA 01452

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,326 sqft · built 1823
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on File
Last Sale	$189,900 (Sep 2018)
Tax Bill	$1,124 (2026)
Deeds & Mortgages	May 2021 Mortgage Sep 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HUBB M:005C L:0035`

Property Details

APN / Parcel Number

Primary APN	`HUBB M:005C L:0035`
Alternative APN	`M:005C B:0000 L:00035`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,326 sqft Living Area
Gross Area	2,844 sqft

Exterior

Year Built	Built 1823
Effective Year Built	Effective 1823
Architectural Style	Historical
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	32,670 sqft (0.75 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	4 GARDNER RD
City	HUBBARDSTON
State	MA
Zip	01452-1646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	35
Jurisdiction	HUBBARDSTON MA
Township / Civil Division	HUBBARDSTON
Census Block Group	1
Census Block	1017
Census Tract	706100

Owner

4 Gardner Rd is owned and occupied by an individual who bought it in September 2018.

Source: Worcester County and Hubbardston Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	4 GARDNER RD, HUBBARDSTON, MA 01452-1646
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 28, 2021	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 10, 2018	Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 13, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2018 · Amount on File
Deed Sale	Sep 10, 2018 · Amount on File
Prior Sale	Mar 30, 2018 · Amount on File
Deed Book / Page	59380 / 211
Transfer Doc	059380-211
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUBBARDSTON MA
Property Address	4 GARDNER RD, HUBBARDSTON, MA 01452-1646
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065272-318
Date	May 28, 2021
Book Page	65272/318
Instrument	74380

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HUBBARDSTON MA
Recording Date	Sep 10, 2018
Property Address	4 GARDNER RD, HUBBARDSTON, MA 01452-1646
Document Number	59380-211
Book / Page	59380 / 211
Instrument	95293
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21.61
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	593800216
Date	Sep 10, 2018
Instrument	59380/0216

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2048

December 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	HUBBARDSTON MA
Recording Date	Dec 13, 2017
Property Address	4 GARDNER RD, HUBBARDSTON, MA 01452-1646
Document Number	58178-246
Book / Page	058178 / 000246
Instrument Date	Nov 21, 2017
Instrument	139294
Transaction Type	Foreclosure
Record Updated	Jan 3, 2018

Transaction

Amount	Amount on Record
Tax	$384.00
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	7255 BAYMEADOWS WAY JACKSONVILLE FL 322566851, JACKSONVILLE, FL 32256-6851

Tax Assessment & Valuation

The 2026 property tax bill for 4 Gardner Rd was $1,124, down 62% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$1,124.00 (-62.01%)	$100,500 (-60.32%) Land $100,500
2025	$2,959.00	$253,300 Land $29,000 Building $224,300
2023	$2,390.00	$183,400 Land $28,400 Building $155,000

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 4 Gardner Rd in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 4 Gardner Rd is low, with a 0.01% annual chance of 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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