42 Crestwood Dr, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 42 Crestwood Dr, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,240 sqft · built 1969
Lot Size	0.427 acres (18,600 sqft)
Owner	Individual Name on Record
Last Sale	$304,900 (Dec 2017)
Tax Bill	$6,713 (2026)
Deeds & Mortgages	Feb 2021 Refinance Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W22 B:1 L:17`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W22 B:1 L:17`
Alternative APN	`M:U-24 B:0003 L:0017`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,240 sqft Living Area
Gross Area	4,800 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	18,600 sqft (0.427 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	42 CRESTWOOD DR
City	GARDNER
State	MA
Zip	01440-2369
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	ROY O GIBERT ET UX
Legal Block	1
Legal Lot Number	17
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3000
Census Tract	707500

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	42 CRESTWOOD DR, GARDNER, MA 01440-2369
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RIVER CITY MORTGAGE LLC
Sep 4, 2019	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Dec 15, 2017	Quit Claim Deed, Transfer · FHA Mortgage FRANKLIN AMERICAN MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2017 · Amount on Record
Deed Sale	Dec 15, 2017 · Amount on Record
Prior Sale	Oct 28, 1993 · Amount on Record
Deed Book / Page	58187 / 371
Transfer Doc	058187-371
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	42 CRESTWOOD DR, GARDNER, MA 01440-2369
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	064396-179
Date	Feb 4, 2021
Book Page	64396/179
Instrument	16989

Lender

Name	RIVER CITY MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	42 CRESTWOOD DR, GARDNER, MA 01440-2369
Document Number	61019-233
Instrument Date	Sep 4, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 CRESTWOOD DR GARDNER MA 014402369, GARDNER, MA 01440-2369

Mortgage

Document Number	61019-233
Date	Sep 9, 2019
Book Page	061019/000233
Instrument	92126

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 8, 2049

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 15, 2017
Property Address	42 CRESTWOOD DR, GARDNER, MA 01440-2369
Document Number	58187-371
Book / Page	58187 / 371
Instrument	140118
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$46.94
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 CRESTWOOD DR, GARDNER, MA 01440-2369

Mortgage

Document Number	581870374
Date	Dec 15, 2017
Instrument	58187/0374

Lender

Name	FRANKLIN AMERICAN MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Dec 15, 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	$6,713.00 (+10,727.42%)	$487,500 (+12.64%) Land $97,300 Building $390,200	$519,584 (-1.58%)
2025	$62.00 (-99.05%)	$432,800 (-0.53%) Land $84,100 Building $348,700	$527,915
2024	$6,522.00 (+3.49%)	$435,100 (+11.36%) Land $76,400 Building $358,700
2023	$6,302.00	$390,700 Land $85,900 Building $304,800

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	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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 215 locations within half a mile, as of December 31, 2025

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

May also be available: Gateway Fiber, T-Mobile, Verizon.

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