46 Wachusett Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 46 Wachusett Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,705 sqft · built 1955
Lot Size	0.333 acres (14,520 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Mar 2017)
Tax Bill	$5,025 (2026)
Deeds & Mortgages	Dec 2021 Refinance Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:Q-17 B:0003 L:0029`

Property Details

APN / Parcel Number

Primary APN	`M:Q-17 B:0003 L:0029`
Alternative APN	`GARD M:R17 B:12 L:29`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,705 sqft Living Area
Gross Area	4,165 sqft
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,520 sqft (0.333 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	46 WACHUSETT RD
City	GARDNER
State	MA
Zip	01440-4121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	JACKSON HILL DEV
Legal Block	12
Legal Lot Number	29
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2033
Census Tract	707100

Owner

46 Wachusett Rd is owned and occupied by an individual who bought it in March 2017.

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

Owner of Record	Individual Name on File
Mailing Address	46 WACHUSETT RD, GARDNER, MA 01440-4121
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
Dec 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ENVOY MORTGAGE LTD
Jan 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES
Mar 31, 2017	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2017 · Amount on File
Deed Sale	Mar 31, 2017 · Amount on File
Prior Sale	Apr 1, 2002 · Amount on File
Deed Book / Page	56922 / 147
Transfer Doc	056922-147
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	46 WACHUSETT RD, GARDNER, MA 01440-4121
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00066830-5
Date	Dec 27, 2021
Book Page	66830/5
Instrument	180813

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	46 WACHUSETT RD, GARDNER, MA 01440-4121
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064349-158
Date	Jan 29, 2021
Book Page	64349/158
Instrument	13828

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 31, 2017
Property Address	46 WACHUSETT RD, GARDNER, MA 01440-4121
Document Number	56922-147
Book / Page	056922 / 000147
Instrument Date	Mar 28, 2017
Instrument	32415
Transaction Type	Transfer
Record Updated	Apr 18, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$844.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 ROYAL CREST DR #4 NORTH ANDOVER MA 018456547, 4, NORTH ANDOVER, MA 01845-6547

Mortgage

Document Number	56922-149
Date	Mar 31, 2017
Book Page	056922/000149
Instrument	32416

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 30, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 46 Wachusett Rd was $5,025, up 11,066.7% 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	$5,025.00 (+11,066.67%)	$364,900 (+14.07%) Land $86,300 Building $278,600	$404,907 (+23.51%)
2025	$45.00 (-99.04%)	$319,900 (+2.37%) Land $78,400 Building $241,500	$327,845
2024	$4,684.00 (+7.55%)	$312,500 (+15.74%) Land $71,300 Building $241,200
2023	$4,355.00	$270,000 Land $70,300 Building $199,700

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

Flood

FEMA maps place 46 Wachusett Rd 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 Wachusett Rd 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 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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