44 Jackson Hill Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 44 Jackson Hill Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,059 sqft · built 1991
Lot Size	0.298 acres (12,991 sqft)
Owner	Individual Name on File
Last Sale	$323,900 (Sep 2020)
Tax Bill	$6,170 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:Q-18 B:0004B L:0019A`

Property Details

APN / Parcel Number

Primary APN	`M:Q-18 B:0004B L:0019A`
Alternative APN	`GARD M:R17 B:7 L:19A`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,059 sqft Living Area
Gross Area	4,128 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,991 sqft (0.298 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	44 JACKSON HILL RD
City	GARDNER
State	MA
Zip	01440-4132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	7
Legal Lot Number	19A
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2013
Census Tract	707100

Owner

Source: Worcester County and Gardner City 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	Individual Name on File
Mailing Address	44 JACKSON HILL RD, GARDNER, MA 01440-4132
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage MILLBURY NATIONAL BANK
Sep 30, 2020	Quit Claim Deed, Transfer · FHA Mortgage CBC NATIONAL BANK
Jul 16, 2019	Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2020 · Amount on File
Deed Sale	Sep 30, 2020 · Amount on File
Prior Sale	Jul 16, 2019 · Amount on File
Deed Document Number	2020115201
Deed Book / Page	63393 / 148
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Jul 1, 2026
Property Address	44 JACKSON HILL RD, GARDNER, MA 01440-4132
Document Number	0000054740
Book / Page	73812 / 39
Instrument Date	Jun 26, 2026
Instrument	202654740
Transaction Type	Mortgage
Record Updated	Jul 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 JACKSON HILL RD, GARDNER, MA 01440-4132

Mortgage

Document Number	0000054740,
Date	Jul 1, 2026
Book Page	73812/39
Instrument	202654740

Lender

Name	MILLBURY NATIONAL BANK

Agreement

Amount	Amount on Record
Term	360 Months

Interest

Rate	6.53%
Max Rate	-1%

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 30, 2020
Property Address	44 JACKSON HILL RD, GARDNER, MA 01440-4132
Document Number	63393-148
Book / Page	63393 / 148
Instrument Date	Sep 30, 2020
Instrument	115201
Transaction Type	Transfer
Record Updated	May 12, 2021

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	44 JACKSON HILL RD, GARDNER, MA 01440-4132

Mortgage

Document Number	115202
Date	Sep 30, 2020
Instrument	115202

Lender

Name	CBC NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

July 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Jul 16, 2019
Property Address	44 JACKSON HILL RD, GARDNER, MA 01440-4132
Document Number	60712-50
Book / Page	060712 / 000050
Instrument Date	Jul 11, 2019
Instrument	68231
Transaction Type	Foreclosure
Record Updated	Jul 30, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$820.80
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 RACETTE AVE GARDNER MA 014401918, GARDNER, MA 01440-1918

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	$6,170.00 (+9,851.61%)	$448,100 (+3.63%) Land $80,900 Building $367,200	$451,360 (+2.97%)
2025	$62.00 (-99.05%)	$432,400 (-1.03%) Land $73,500 Building $358,900	$438,330
2024	$6,549.00 (+8.36%)	$436,900 (+16.6%) Land $66,900 Building $370,000
2023	$6,044.00	$374,700 Land $65,900 Building $308,800

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

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

May also be available: Gateway Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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