41 Banner Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 41 Banner Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 672 sqft · built 1969
Lot Size	0.326 acres (14,179 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Jul 2005)
Tax Bill	$41 (2025)
Deeds & Mortgages	Mar 2024 Refinance Aug 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W07 B:3 L:5`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W07 B:3 L:5`
Alternative APN	`M:W-08 B:0014 L:0005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	672 sqft Living Area
Gross Area	1,636 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,179 sqft (0.326 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	41 BANNER RD
City	GARDNER
State	MA
Zip	01440-3603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	5
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2047
Census Tract	707100

Owner

Source: Worcester County and Gardner City records, as of April 14, 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	41 BANNER RD, GARDNER, MA 01440-3603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Aug 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jan 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jul 17, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2005 · Amount on Record
Deed Sale	Jul 8, 2005 · Amount on Record
Prior Sale	Jul 16, 2002 · Amount on Record
Deed Document Number	2005110225
Deed Book / Page	36759 / 279
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	41 BANNER RD, GARDNER, MA 01440-3603
Transaction Type	Mortgage
Record Updated	Mar 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070245-188
Date	Mar 1, 2024
Book Page	70245/188
Instrument	15173

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2044

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	41 BANNER RD, GARDNER, MA 01440-3603
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65822-367
Date	Aug 12, 2021
Book Page	65822/367
Instrument	113178

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	41 BANNER RD, GARDNER, MA 01440-3603
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61744-37
Date	Jan 15, 2020
Book Page	61744/37
Instrument	4251

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	41 BANNER RD, GARDNER, MA 01440-3603
Document Number	57459-197
Book / Page	057459 / 000197
Instrument Date	Jul 17, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57459-197
Date	Jul 24, 2017
Book Page	057459/000197
Instrument	78356

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2047

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Gardner City
Unified School District	Gardner School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$41.00 (-98.97%)	$290,800 (+9.41%) Land $71,000 Building $219,800	$250,135
2024	$3,984.00 (+7.94%)	$265,800 (+16.17%) Land $64,600 Building $201,200
2023	$3,691.00	$228,800 Land $63,700 Building $165,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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