41 Deer Hill Rd, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,255 sqft · built 1988
Lot Size	0.871 acres (37,957 sqft)
Owner	Individual Name on File
Last Sale	$350,612 (May 2021)
Tax Bill	$7,134 (2026)
Deeds & Mortgages	Oct 2022 Refinance Apr 2023 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:H17 B:12 L:4`

Property Details

APN / Parcel Number

Primary APN	`GARD M:H17 B:12 L:4`
Alternative APN	`M:H-17 B:0005 L:0004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,255 sqft Living Area
Gross Area	4,257 sqft
Basement Area	1,060 sqft
Unfinished Basement	1,060 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,957 sqft (0.871 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	41 DEER HILL RD
City	GARDNER
State	MA
Zip	01440-2800
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	12
Legal Lot Number	4
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2030
Census Tract	707300

Owner

41 Deer Hill Rd is owned and occupied by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	41 DEER HILL RD, GARDNER, MA 01440-2800
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
Oct 5, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION
Apr 18, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION
May 28, 2021	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Aug 31, 2018	Quit Claim Deed, Transfer ASSEMBLIES OF GOD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2021 · Amount on File
Deed Sale	May 28, 2021 · Amount on File
Prior Sale	Aug 31, 2018 · Amount on File
Deed Book / Page	65278 / 65
Prior Transfer Date	May 27, 2021
Prior Transfer Doc	0065278-65
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	41 DEER HILL RD, GARDNER, MA 01440-2800
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068313-70
Date	Oct 5, 2022
Book Page	68313/70
Instrument	108819

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2042

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	41 DEER HILL RD, GARDNER, MA 01440-2800
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069031-321
Date	Apr 18, 2023
Book Page	69031/321
Instrument	29383

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	May 1, 2043

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 28, 2021
Property Address	41 DEER HILL RD, GARDNER, MA 01440-2800
Document Number	0065278-65
Book / Page	65278 / 65
Instrument Date	May 27, 2021
Instrument	74720
Transaction Type	Transfer
Record Updated	Apr 11, 2022

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	Tenants by the Entirety
Address	62 WINCHENDON RD, GARDNER, MA 01440

Mortgage

Document Number	0000075097
Date	May 28, 2021
Instrument	75097

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 31, 2018
Property Address	41 DEER HILL RD, GARDNER, MA 01440-2800
Document Number	00059350-7
Book / Page	59350 / 7
Instrument	92698
Transaction Type	Transfer
Record Updated	Apr 11, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55.46
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	0593500012
Date	Aug 31, 2018
Instrument	59350/0012

Lender

Name	ASSEMBLIES OF GOD

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 41 Deer Hill Rd was $7,134, up 10,875.4% 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	$7,134.00 (+10,875.38%)	$518,100 (+13.22%) Land $101,100 Building $417,000	$553,726 (+26.44%)
2025	$65.00 (-99.06%)	$457,600 (-1.23%) Land $91,900 Building $365,700	$437,950
2024	$6,945.00 (+5.53%)	$463,300 (+13.55%) Land $83,700 Building $379,600
2023	$6,581.00	$408,000 Land $82,400 Building $325,600

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

Flood

FEMA maps place 41 Deer Hill 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	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.

Wildfire

Wildfire risk around 41 Deer Hill 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 64 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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