Worcester County and Gardner City property record for 40 Talcott Ave, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,736 sqft · built 1997 |
| Lot Size | 0.455 acres (19,815 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,891 (2026) |
| Deeds & Mortgages | Mar 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | M:M-17 B:0006 L:0019 |
| Primary APN | M:M-17 B:0006 L:0019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,736 sqft Living Area |
| Gross Area | 3,888 sqft |
| Basement Area | 1,036 sqft |
| Unfinished Basement | 1,036 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,815 sqft (0.455 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 40 TALCOTT AVE |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2836 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | I2 |
| Legal Subdivision | WEST BROADWAY |
| Legal Block | 13 |
| Legal Lot Number | 19 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 707300 |
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 TALCOTT AVE, GARDNER, MA 01440-2836 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 10, 2022 |
| Transfer Doc | 0067247-59 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Mar 11, 2022 |
| Property Address | 40 TALCOTT AVE, GARDNER, MA 01440-2836 |
| Document Number | 0067247-59 |
| Book / Page | 67247 / 59 |
| Instrument Date | Mar 10, 2022 |
| Instrument | 27577 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 40 TALCOTT AVE, GARDNER, MA 01440-2836 |
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 | $5,891.00 (+10,056.9%) | $427,800 (+4.21%) Land $73,700 Building $354,100 | $425,611 (+20.66%) |
| 2025 | $58.00 (-99.04%) | $410,500 (+1.38%) Land $67,000 Building $343,500 | $352,735 |
| 2024 | $6,069.00 (+7.43%) | $404,900 (+15.62%) Land $60,900 Building $344,000 | |
| 2023 | $5,649.00 | $350,200 Land $60,000 Building $290,200 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
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 |
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 99 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 |
5G (outdoors only) and 4G LTE
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