45 North St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 45 North St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,636 sqft · built 1900
Lot Size	1.12 acres (48,787 sqft)
Owner	2 Individual Names on Record
Last Sale	$329,900 (Mar 2019)
Tax Bill	$6,603 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:K-26 B:0003 L:0012`

Property Details

APN / Parcel Number

Primary APN	`M:K-26 B:0003 L:0012`
Alternative APN	`GARD M:M27 B:16 L:12`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,636 sqft Living Area
Gross Area	5,724 sqft
Basement Area	1,352 sqft
Unfinished Basement	1,352 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	48,787 sqft (1.12 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	45 NORTH ST
City	GARDNER
State	MA
Zip	01440-1828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	16
Legal Lot Number	12
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3011
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	2 Individual Names on Record
Mailing Address	45 NORTH ST, GARDNER, MA 01440-1828
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed of Trust, Mortgage · Line of Credit GFA FEDERAL CREDIT UNION
Feb 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CALIBER HOME LOANS INC
Mar 25, 2019	Quit Claim Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2019 · Amount on Record
Deed Sale	Mar 25, 2019 · Amount on Record
Prior Sale	Jul 1, 2015 · Amount on Record
Deed Document Number	201925525
Deed Book / Page	60185 / 282
Prior Transfer Date	Mar 22, 2019
Prior Transfer Doc	060185-282
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Jun 10, 2026
Property Address	45 NORTH ST, GARDNER, MA 01440-1828
Document Number	0073698-71
Book / Page	73698 / 71
Instrument Date	Jun 5, 2026
Instrument	202646684
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 NORTH ST, GARDNER, MA 01440-1828

Mortgage

Document Number	0000046684,
Date	Jun 10, 2026
Book Page	73698/71
Instrument	202646684

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate	6.37%
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	45 NORTH ST, GARDNER, MA 01440-1828
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0064422-61
Date	Feb 9, 2021
Book Page	64422/61
Instrument	18864

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 25, 2019
Property Address	45 NORTH ST, GARDNER, MA 01440-1828
Document Number	60185-282
Book / Page	060185 / 000282
Instrument Date	Mar 22, 2019
Instrument	25525
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,504.34
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 NORTH ST GARDNER MA 014401828, GARDNER, MA 01440-1828

Mortgage

Document Number	60185-285
Date	Mar 25, 2019
Book Page	060185/000285
Instrument	25526

Lender

Name	MORTGAGE RESEARCH CTR
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 24, 2049

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	$6,603.00 (+10,217.19%)	$479,500 (+7.01%) Land $93,400 Building $386,100	$413,131 (-15.16%)
2025	$64.00 (-99.02%)	$448,100 (+3.18%) Land $84,900 Building $363,200	$486,970
2024	$6,510.00 (+1.64%)	$434,300 (+9.37%) Land $77,400 Building $356,900
2023	$6,405.00	$397,100 Land $76,400 Building $320,700

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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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