41 Betty Spring Rd, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,548 sqft · built 1995
Lot Size	2.25 acres (98,333 sqft)
Owner	Individual Name on File
Last Sale	$481,000 (Jun 2026)
Tax Bill	$5,823 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M:T-25 B:0041 L:0023`

Property Details

APN / Parcel Number

Primary APN	`M:T-25 B:0041 L:0023`
Alternative APN	`GARD M:R27 B:25 L:23`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,548 sqft Living Area
Gross Area	3,910 sqft
Basement Area	1,548 sqft
Unfinished Basement	1,548 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	98,333 sqft (2.25 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	41 BETTY SPRING RD
City	GARDNER
State	MA
Zip	01440-2401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	25
Legal Lot Number	23
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3000
Census Tract	707500

Owner

41 Betty Spring Rd is owned and occupied by an individual who bought it in June 2026.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	41 BETTY SPRING RD, GARDNER, MA 01440-2401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Jul 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage MASSACHUSETTS HOUSING FINANCE AGENCY
Jun 30, 2026	Quit Claim Deed, Transfer · Conventional Mortgage CITY MORTGAGE
Mar 14, 2022	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Feb 17, 2021	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Mar 20, 2019	Deed of Trust, Mortgage · Balloon Mortgage GFA FEDERAL CREDIT UNION
Oct 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Prior Sale	Mar 14, 2022
Deed Document Number	202654531
Deed Book / Page	73808 / 381
Prior Transfer Date	Mar 8, 2022
Prior Transfer Doc	067258-156
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Jul 1, 2026
Property Address	41 BETTY SPRING RD, GARDNER, MA 01440-2401
Document Number	0000054582
Book / Page	73809 / 305
Instrument Date	Jun 30, 2026
Instrument	202654582
Transaction Type	Mortgage
Record Updated	Jul 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 BETTY SPRING RD, GARDNER, MA 01440-2401

Mortgage

Document Number	0000054582,
Date	Jul 1, 2026
Book Page	73809/305
Instrument	202654582

Lender

Name	MASSACHUSETTS HOUSING FINANCE AGENCY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 30, 2026
Property Address	41 BETTY SPRING RD, GARDNER, MA 01440-2401
Document Number	0000054531
Book / Page	73808 / 381
Instrument Date	Jun 16, 2026
Instrument	202654531
Transaction Type	Transfer
Record Updated	Jul 22, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 BETTY SPRING RD, GARDNER, MA 01440-2401

Mortgage

Date	Jun 30, 2026

Lender

Name	CITY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.36%
Max Rate	-1%

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 14, 2022
Property Address	41 BETTY SPRING RD, GARDNER, MA 01440-2401
Document Number	067258-156
Book / Page	67258 / 156
Instrument Date	Mar 8, 2022
Instrument	28328
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	41 BETTY SPRING RD, GARDNER, MA 01440-2401

Mortgage

Document Number	0000028329
Date	Mar 14, 2022
Instrument	28329

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 17, 2021
Property Address	41 BETTY SPRING RD, GARDNER, MA 01440-2401
Document Number	64485-64
Book / Page	64485 / 64
Instrument Date	Feb 17, 2021
Instrument	22644
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	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	41 BETTY SPRING RD, GARDNER, MA 01440-2401

Mortgage

Document Number	22645
Date	Feb 17, 2021
Instrument	22645

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	41 BETTY SPRING RD, GARDNER, MA 01440-2401
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60168-237
Date	Mar 20, 2019
Book Page	60168/237
Instrument	24058

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2039

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	41 BETTY SPRING RD, GARDNER, MA 01440-2401
Document Number	57954-130
Book / Page	057954 / 000130
Instrument Date	Oct 19, 2017
Transaction Type	Mortgage
Record Updated	Nov 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	57954-130
Date	Oct 27, 2017
Book Page	057954/000130
Instrument	163

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	336 Months
Due	Oct 26, 2045

Tax Assessment & Valuation

The 2026 property tax bill for 41 Betty Spring Rd was $5,823, up 9,939.7% from the year before.

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
2026	$5,823.00 (+9,939.66%)	$422,900 (+4.63%) Land $90,800 Building $332,100	$455,414 (+5.71%)
2025	$58.00 (-99.03%)	$404,200 (+1.76%) Land $82,700 Building $321,500	$430,825
2024	$5,954.00 (+8.25%)	$397,200 (+16.48%) Land $75,700 Building $321,500
2023	$5,500.00	$341,000 Land $73,700 Building $267,300

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

Flood

FEMA maps place 41 Betty Spring 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	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

Wildfire risk around 41 Betty Spring 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.

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 244 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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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