Worcester County and Gardner City property record for 40 Holly Dr, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,444 sqft · built 1984 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $485,000 (Apr 2025) |
| Tax Bill | $5,670 (2026) |
| Deeds & Mortgages | Apr 2025 Sale & Mortgage May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:C37 B:5 L:37 |
| Primary APN | GARD M:C37 B:5 L:37 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,444 sqft Living Area |
| Gross Area | 3,780 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 47,916 sqft (1.1 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 40 HOLLY DR |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 5 |
| Legal Lot Number | 37 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1005 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 40 HOLLY DR, GARDNER, MA 01440-1226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 28, 2025 | Quit Claim Deed, Transfer · FHA Mortgage NFM LENDING |
| May 13, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 28, 2025 · Amount on Record |
| Deed Sale | Apr 28, 2025 · Amount on Record |
| Prior Sale | May 13, 2021 · Amount on Record |
| Deed Book / Page | 71908 / 287 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 28, 2025 |
| Property Address | 40 HOLLY DR, GARDNER, MA 01440-1226 |
| Document Number | 071908-287 |
| Book / Page | 71908 / 287 |
| Instrument Date | Apr 28, 2025 |
| Instrument | 32533 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 40 HOLLY DR, GARDNER, MA 01440-1226 |
| Document Number | 0000032534 |
|---|---|
| Date | Apr 28, 2025 |
| Instrument | 32534 |
| Name | NFM LENDING |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | May 13, 2021 |
| Property Address | 40 HOLLY DR, GARDNER, MA 01440-1226 |
| Document Number | 65161-233 |
| Book / Page | 65161 / 233 |
| Instrument Date | May 13, 2021 |
| Instrument | 66526 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 40 HOLLY DR, GARDNER, MA 01440-1226 |
| Document Number | 66527 |
|---|---|
| Date | May 13, 2021 |
| Instrument | 66527 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $5,670.00 (+2.83%) | $411,800 (+7.24%) Land $93,400 Building $318,400 | $444,782 (-1.37%) |
| 2025 | $5,514.00 (+2.15%) | $384,000 (+6.64%) Land $84,900 Building $299,100 | $450,965 |
| 2024 | $5,398.00 (+2.66%) | $360,100 (+10.46%) Land $77,400 Building $282,700 | |
| 2023 | $5,258.00 | $326,000 Land $76,300 Building $249,700 |
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures