46 Bond St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 46 Bond St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,664 sqft · built 1900
Lot Size	0.151 acres (6,583 sqft)
Owner	Individual Name on File
Last Sale	$149,500 (May 2014)
Tax Bill	$4,430 (2026)
Deeds & Mortgages	Jun 2019 Mortgage Jun 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:8 L:42`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:8 L:42`
Alternative APN	`M:R-23 B:0002 L:0042`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,664 sqft Living Area
Gross Area	3,614 sqft
Basement Area	832 sqft
Unfinished Basement	832 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	6,583 sqft (0.151 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	46 BOND ST
City	GARDNER
State	MA
Zip	01440-2702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	8
Legal Lot Number	42
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3013
Census Tract	707500

Owner

46 Bond St is owned and occupied by an individual who acquired it in May 2018.

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

Owner of Record	Individual Name on File
Mailing Address	46 BOND ST, GARDNER, MA 01440-2702
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

Date	Document
Jun 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage TRIANGLE CU
Jun 3, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2014 · Amount on File
Deed Sale	May 22, 2014 · Amount on File
Prior Sale	May 1, 2009 · Amount on File
Deed Book / Page	52343 / 284
Last Transfer Date	May 24, 2018
Transfer Doc	60492-259
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	46 BOND ST, GARDNER, MA 01440-2702
Document Number	60578-1
Instrument Date	Jun 17, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 BOND ST GARDNER MA 014402702, GARDNER, MA 01440-2702

Mortgage

Document Number	60578-1
Date	Jun 20, 2019
Book Page	060578/000001
Instrument	57282

Lender

Name	TRIANGLE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 3, 2019
Property Address	46 BOND ST, GARDNER, MA 01440-2702
Document Number	60492-259
Book / Page	060492 / 000259
Instrument Date	May 24, 2018
Instrument	50314
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 BOND ST GARDNER MA 014402702, GARDNER, MA 01440-2702

Tax Assessment & Valuation

The 2026 property tax bill for 46 Bond St was $4,430, up 10,447.6% 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	$4,430.00 (+10,447.62%)	$321,700 (+8.24%) Land $73,200 Building $248,500	$366,753 (+17.52%)
2025	$42.00 (-99.01%)	$297,200 (+5.2%) Land $66,500 Building $230,700	$312,075
2024	$4,235.00 (+2.72%)	$282,500 (+10.52%) Land $60,500 Building $222,000
2023	$4,123.00	$255,600 Land $59,600 Building $196,000

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

Flood

FEMA maps place 46 Bond St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 46 Bond 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 388 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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