41 Gardner St, Salisbury, MA 01952 Property Records

Essex County and Salisbury Town property record for 41 Gardner St, Salisbury, MA 01952

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.417 acres (18,165 sqft)
Owner	2 Individual Names on File
Last Sale	$617,500 (Jun 2026)
Tax Bill	$1,621 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SALI M:6 P:133`

Property Details

APN / Parcel Number

Primary APN	`SALI M:6 P:133`
Alternative APN	`465/14`

Exterior

Architectural Style	Condo/Apartment
Lot Area	18,165 sqft (0.417 acres)

Location & Zoning

Account Number	465/14
Street Address	41 GARDNER ST
City	SALISBURY
State	MA
Zip	01952-1919
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	C
Jurisdiction	SALISBURY MA
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1006
Census Tract	267102

Owner

41 Gardner St, residential vacant land, is owned by two individuals who bought it in June 2026.

Source: Essex County and Salisbury Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	41 GARDNER ST, 41B, SALISBURY, MA 01952-1919
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Condominium Deed, Transfer · Conventional Mortgage INSTITUTION FOR SAVINGS
Nov 9, 2022	Deed of Trust, Mortgage · Construction Mortgage NEWBURYPORT FIVE CENTS SAVINGS BANK
Oct 2, 2025	Condominium Deed, Transfer · Conventional Mortgage HARBORONE MORTGAGE
May 5, 2020	Quit Claim Deed, Transfer · Construction Mortgage NEWBURYPORT FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Prior Sale	Oct 2, 2025 · Amount on File
Deed Document Number	20265530
Deed Book / Page	43479 / 359
Prior Transfer Date	May 4, 2020
Prior Transfer Doc	0000004610
Record Updated	Oct 29, 2026

June 2026: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	SALISBURY MA
Recording Date	Jun 30, 2026
Property Address	41 GARDNER ST, SALISBURY, MA 01952-1919
Document Number	0000005530
Book / Page	43479 / 359
Instrument Date	Jun 24, 2026
Instrument	20265530
Transaction Type	Transfer
Record Updated	Jul 22, 2026

Transaction

Amount	Amount 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 Tenants with Right of Survivorship

Mortgage

Date	Jun 30, 2026

Lender

Name	INSTITUTION FOR SAVINGS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.36%
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALISBURY MA
Property Address	41 GARDNER ST, SALISBURY, MA 01952-1919
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041294-24
Date	Nov 9, 2022
Book Page	41294/24
Instrument	20221109002420

Lender

Name	NEWBURYPORT FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

October 2025: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	SALISBURY MA
Recording Date	Oct 2, 2025
Property Address	41 GARDNER ST, SALISBURY, MA 01952-1919
Document Number	042984-493
Book / Page	42984 / 493
Instrument Date	Oct 2, 2025
Instrument	20251002002900
Transaction Type	Transfer
Record Updated	Apr 14, 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 GARDNER ST # 41A, 41A, SALISBURY, MA 01952-1919

Mortgage

Document Number	20251002002910
Date	Oct 2, 2025
Instrument	20251002002910

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALISBURY MA
Recording Date	May 5, 2020
Property Address	41 GARDNER ST, SALISBURY, MA 01952-1919
Document Number	38488-447
Book / Page	38488 / 447
Instrument Date	May 4, 2020
Instrument	20200505004610
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount 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	138 ELM ST, SALISBURY, MA 01952-1805

Mortgage

Document Number	38488-452
Date	May 5, 2020
Book Page	38488/452
Instrument	20200505004630

Lender

Name	NEWBURYPORT FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 41 Gardner St was $1,621, down 3.5% from the year before.

Source: Essex County and Salisbury Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Salisbury Town
Unified School District	Triton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,621.00 (-3.51%)	$160,800 (-) Land $160,800	$589,068
2024	$1,680.00 (-3.28%)	$160,800 (-) Land $160,800
2023	$1,737.00	$160,800 Land $160,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 41 Gardner St in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · 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
Flood Insurance Cost	Premium on File median of 37 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	40 units insured incl. 3 condo units
Nearby Flood Claims	24 (1979–2024)
Claims Outside the SFHA	1 of 24
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, Apr 2010 · 3 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 7 claims

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 Gardner St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SALISBURY WATER DIVISION serves 9,334 people · EPA ID MA3259000
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Breezeline Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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