45 Sylvan Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 45 Sylvan Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,976 sqft · built 2003
Lot Size	0.316 acres (13,744 sqft)
Owner	Individual Name on Record
Last Sale	$254,000 (Oct 2018)
Tax Bill	$6,808 (2026)
Deeds & Mortgages	Jun 2025 Line of Credit Aug 2021 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:7 L:19`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,976 sqft Living Area
Gross Area	3,946 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,744 sqft (0.316 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 SYLVAN RD
City	GARDNER
State	MA
Zip	01440-4116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	7
Legal Lot Number	19
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	45 SYLVAN RD, GARDNER, MA 01440-4116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2025	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Aug 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FEDERAL SAVINGS BANK
Aug 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FEDERAL SAVINGS BANK
Jul 24, 2019	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Sep 1, 2020	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Oct 1, 2018	Quit Claim Deed, Transfer · VA Mortgage MORTGAGE EQUITY PTRS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2018 · Amount on Record
Deed Sale	Oct 1, 2018 · Amount on Record
Prior Sale	Aug 7, 2003 · Amount on Record
Deed Book / Page	59492 / 174
Transfer Doc	059492-174
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	45 SYLVAN RD, GARDNER, MA 01440-4116
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072190-254
Date	Jun 30, 2025
Book Page	72190/254
Instrument	53202

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	45 SYLVAN RD, GARDNER, MA 01440-4116
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065832-189
Date	Aug 13, 2021
Book Page	65832/189
Instrument	113894

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	45 SYLVAN RD, GARDNER, MA 01440-4116
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65832-189
Date	Aug 13, 2021
Book Page	65832/189
Instrument	113894

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	45 SYLVAN RD, GARDNER, MA 01440-4116
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60753-39
Date	Jul 24, 2019
Book Page	60753/39
Instrument	71496

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	45 SYLVAN RD, GARDNER, MA 01440-4116
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63165-210
Date	Sep 1, 2020
Book Page	63165/210
Instrument	100039

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 1, 2018
Property Address	45 SYLVAN RD, GARDNER, MA 01440-4116
Document Number	59492-174
Book / Page	059492 / 000174
Instrument Date	Sep 12, 2018
Instrument	104416
Transaction Type	Transfer
Record Updated	Oct 23, 2018

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,158.24
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SYLVAN RD GARDNER MA 014404116, GARDNER, MA 01440-4116

Mortgage

Document Number	59492-178
Date	Oct 1, 2018
Book Page	059492/000178
Instrument	104417

Lender

Name	MORTGAGE EQUITY PTRS
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 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	$6,808.00 (+9.37%)	$494,400 (+14.05%) Land $85,700 Building $408,700	$486,214 (+33.25%)
2025	$6,225.00 (-4.01%)	$433,500 (+0.21%) Land $77,900 Building $355,600	$364,895
2024	$6,485.00 (+6.28%)	$432,600 (+14.35%) Land $70,800 Building $361,800
2023	$6,102.00	$378,300 Land $69,800 Building $308,500

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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