45 Winslow St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,088 sqft · built 1955
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Jul 2025)
Tax Bill	$4,700 (2026)
Deeds & Mortgages	Mar 2026 Transfer Jul 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:9 L:32`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:9 L:32`
Alternative APN	`M:N-28 B:0011 L:0032`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,088 sqft Living Area
Gross Area	2,972 sqft
Basement Area	1,088 sqft
Unfinished Basement	1,088 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 WINSLOW ST
City	GARDNER
State	MA
Zip	01440-1913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	9
Legal Lot Number	32
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2000
Census Tract	707400

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	2 Individual Names on File
Mailing Address	45 WINSLOW ST, GARDNER, MA 01440-1913
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Person

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Quit Claim Deed, Transfer Quitclaim
Jul 31, 2025	Quit Claim Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 27, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage RELF 4 LLC
Feb 9, 2022	Quit Claim Deed, Transfer Quitclaim
Feb 8, 2022	Fiduciary Deed, Transfer
Dec 18, 2017	Deed of Trust, Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2025 · Amount on File
Deed Sale	Jul 31, 2025 · Amount on File
Prior Sale	Feb 27, 2025 · Amount on File
Deed Document Number	202564051
Deed Book / Page	72340 / 151
Last Transfer Date	Mar 31, 2026
Transfer Doc	073386-177
Record Updated	Oct 29, 2026

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 31, 2026
Property Address	45 WINSLOW ST, GARDNER, MA 01440-1913
Document Number	073386-177
Book / Page	73386 / 177
Instrument Date	Mar 31, 2026
Instrument	24469
Transaction Type	Transfer
Record Updated	Apr 22, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 WINSLOW ST, GARDNER, MA 01440-1913

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 31, 2025
Property Address	45 WINSLOW ST, GARDNER, MA 01440-1913
Document Number	072340-151
Book / Page	72340 / 151
Instrument Date	Jul 31, 2025
Instrument	64051
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount 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
Relationship	Tenants by the Entirety
Address	45 WINSLOW ST, GARDNER, MA 01440-1913

Mortgage

Document Number	0000064052
Date	Jul 31, 2025
Instrument	64052

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

February 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 27, 2025
Property Address	45 WINSLOW ST, GARDNER, MA 01440-1913
Document Number	071684-296
Book / Page	71684 / 296
Instrument Date	Feb 27, 2025
Instrument	15694
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount 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	1330 CENTRAL ST, LEOMINSTER, MA 01453-5968

Mortgage

Document Number	0000015695
Date	Feb 27, 2025
Instrument	15695

Lender

Name	RELF 4 LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 9, 2022
Property Address	45 WINSLOW ST, GARDNER, MA 01440-1913
Document Number	067091-355
Book / Page	67091 / 355
Instrument Date	Feb 9, 2022
Instrument	15917
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 WORCESTER RD, WESTMINSTER, MA 01473-1548

February 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 8, 2022
Property Address	45 WINSLOW ST, GARDNER, MA 01440-1913
Document Number	0067085-46
Book / Page	67085 / 46
Instrument Date	Jan 21, 2022
Instrument	15410
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount 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	94 WORCESTER RD, WESTMINSTER, MA 01473-1548

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	45 WINSLOW ST, GARDNER, MA 01440-1913
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58197-352
Date	Dec 18, 2017
Book Page	58197/352
Instrument	140886

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	192 Months
Due	Dec 1, 2033

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	$4,700.00 (+0.69%)	$341,300 (+4.98%) Land $85,800 Building $255,500	$378,075 (+16.1%)
2025	$4,668.00 (+2.37%)	$325,100 (+6.87%) Land $78,000 Building $247,100	$325,660
2024	$4,560.00 (+15.36%)	$304,200 (+24.11%) Land $71,000 Building $233,200
2023	$3,953.00	$245,100 Land $70,000 Building $175,100

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
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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 272 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

May also be available: Verizon.

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