41 Norman St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 41 Norman St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1967
Lot Size	0.223 acres (9,707 sqft)
Owner	Individual Name on Record
Last Sale	$108,300 (Jul 2011)
Tax Bill	$3,867 (2026)
Deeds & Mortgages	Jun 2019 Refinance May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:9 L:4`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:9 L:4`
Alternative APN	`M:N-29 B:0010 L:0030`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	2,522 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,707 sqft (0.223 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	41 NORMAN ST
City	GARDNER
State	MA
Zip	01440-1915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	CORMIER REALTY INC GARDNER
Legal Block	9
Legal Lot Number	4
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1028
Census Tract	707400

Owner

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	41 NORMAN ST, GARDNER, MA 01440-1915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU
May 1, 2018	Quit Claim Deed, Transfer I-C FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2011 · Amount on Record
Deed Sale	Jul 28, 2011 · Amount on Record
Deed Document Number	20117
Deed Book / Page	47651 / 32
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	41 NORMAN ST, GARDNER, MA 01440-1915
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60526-35
Date	Jun 10, 2019
Book Page	60526/35
Instrument	53018

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2039

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 1, 2018
Property Address	41 NORMAN ST, GARDNER, MA 01440-1915
Document Number	58741-373
Book / Page	58741 / 373
Instrument	41264
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$27.71
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 NORMAN ST, GARDNER, MA 01440-1915

Mortgage

Document Number	58741-378
Date	May 1, 2018
Book Page	58741/378
Instrument	41265

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

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
2026	$3,867.00 (+10,076.32%)	$280,800 (+5.29%) Land $82,700 Building $198,100	$329,489 (+15.23%)
2025	$38.00 (-98.99%)	$266,700 (+6.51%) Land $75,200 Building $191,500	$285,950
2024	$3,753.00 (+4.89%)	$250,400 (+12.89%) Land $68,400 Building $182,000
2023	$3,578.00	$221,800 Land $67,400 Building $154,400

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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	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	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 272 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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