42 Halford St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 42 Halford St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,632 sqft · built 1920
Lot Size	0.218 acres (9,500 sqft)
Owner	Individual Name on File
Last Sale	$148,000 (Dec 2017)
Tax Bill	$4,332 (2026)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:L-27 B:0008 L:0062`

Property Details

APN / Parcel Number

Primary APN	`M:L-27 B:0008 L:0062`
Alternative APN	`GARD M:M27 B:12 L:62`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,632 sqft Living Area
Gross Area	2,784 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,500 sqft (0.218 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	42 HALFORD ST
City	GARDNER
State	MA
Zip	01440-1948
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	12
Legal Lot Number	62
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1036
Census Tract	707400

Owner

42 Halford St, a duplex, is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	42 HALFORD ST, GARDNER, MA 01440-1948
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2017 · Amount on File
Deed Sale	Dec 18, 2017 · Amount on File
Prior Sale	May 26, 2004 · Amount on File
Deed Book / Page	58202 / 304
Transfer Doc	058202-304
Record Updated	Oct 29, 2026

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 18, 2017
Property Address	42 HALFORD ST, GARDNER, MA 01440-1948
Document Number	58202-304
Book / Page	058202 / 000304
Instrument Date	Dec 18, 2017
Instrument	141282
Transaction Type	Transfer
Record Updated	Jan 11, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$674.88
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 HALFORD ST GARDNER MA 014401948, GARDNER, MA 01440-1948

Mortgage

Document Number	58202-307
Date	Dec 18, 2017
Book Page	058202/000307
Instrument	141283

Lender

Name	ROLLSTONE BK&TR
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 17, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 42 Halford St was $4,332, up 12,277.1% 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	$4,332.00 (+12,277.14%)	$314,600 (+26.5%) Land $75,100 Building $239,500	$328,620
2025	$35.00 (-99.06%)	$248,700 (-0.36%) Land $68,200 Building $180,500
2024	$3,742.00 (+7.75%)	$249,600 (+15.93%) Land $62,000 Building $187,600
2023	$3,473.00	$215,300 Land $61,100 Building $154,200

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

Flood

FEMA maps place 42 Halford St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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

Wildfire risk around 42 Halford 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	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 380 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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