46 Donna Ave, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 46 Donna Ave, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 906 sqft · built 2010
Lot Size	0.368 acres (16,045 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Sep 2022)
Tax Bill	$5,140 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jun 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:S-11 B:0051 L:0017`

Property Details

APN / Parcel Number

Primary APN	`M:S-11 B:0051 L:0017`
Alternative APN	`GARD M:R12 B:19 L:17`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	906 sqft Living Area
Gross Area	1,880 sqft
Basement Area	874 sqft
Unfinished Basement	874 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,045 sqft (0.368 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	46 DONNA AVE
City	GARDNER
State	MA
Zip	01440-3548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	19
Legal Lot Number	17
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2054
Census Tract	707100

Owner

46 Donna Ave is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	46 DONNA AVE, GARDNER, MA 01440-3548
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
Sep 30, 2022	Deed, Transfer · Stand-Alone First Mortgage GFA FEDERAL CREDIT UNION
Jun 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC
Apr 18, 2017	Quit Claim Deed, Transfer DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2022 · Amount on File
Deed Sale	Sep 30, 2022 · Amount on File
Prior Sale	Apr 18, 2017 · Amount on File
Deed Book / Page	68291 / 172
Transfer Doc	056989-253
Record Updated	Oct 29, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 30, 2022
Property Address	46 DONNA AVE, GARDNER, MA 01440-3548
Document Number	068291-172
Book / Page	68291 / 172
Instrument Date	Sep 30, 2022
Instrument	107249
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	46 DONNA AVE, GARDNER, MA 01440-3548

Mortgage

Document Number	0000107250
Date	Sep 30, 2022
Instrument	107250

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	46 DONNA AVE, GARDNER, MA 01440-3548
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62622-361
Date	Jun 19, 2020
Book Page	62622/361
Instrument	64411

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 18, 2017
Property Address	46 DONNA AVE, GARDNER, MA 01440-3548
Document Number	56989-253
Book / Page	56989 / 253
Instrument	38359
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	$35.16
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	569890255
Date	Apr 18, 2017
Instrument	56989/0255

Lender

Name	DITECH FINANCIAL LLC

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 18, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 46 Donna Ave was $5,140, up 10,18% 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	$5,140.00 (+10,18%)	$373,300 (+7.18%) Land $79,400 Building $293,900	$368,406 (+17.3%)
2025	$50.00 (-99%)	$348,300 (+4.85%) Land $72,200 Building $276,100	$314,070
2024	$4,980.00 (+2.98%)	$332,200 (+10.81%) Land $65,700 Building $266,500
2023	$4,836.00	$299,800 Land $64,700 Building $235,100

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

Flood

FEMA maps place 46 Donna Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 Donna Ave 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	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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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