Worcester County and Gardner City property record for 48 Halford St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 3 ba · 1,632 sqft · built 1920 |
| Lot Size | 0.218 acres (9,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $149,900 (Jul 2015) |
| Tax Bill | $5,168 (2026) |
| Deeds & Mortgages | Sep 2024 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:L-28 B:0010 L:0012 |
| Primary APN | M:L-28 B:0010 L:0012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,632 sqft Living Area |
| Gross Area | 2,998 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,500 sqft (0.218 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 48 HALFORD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1948 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Block | 12 |
| Legal Lot Number | 12 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 707400 |
48 Halford St, a duplex, is owned and occupied by an individual who bought it in July 2015.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 48 HALFORD ST, GARDNER, MA 01440-1948 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2015 · Amount on File |
| Deed Sale | Jul 2, 2015 · Amount on File |
| Deed Book / Page | 53959 / 264 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 48 HALFORD ST, GARDNER, MA 01440-1948 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 071088-114 |
|---|---|
| Date | Sep 30, 2024 |
| Book Page | 71088/114 |
| Instrument | 79574 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2039 |
The 2026 property tax bill for 48 Halford St was $5,168, up 11,918.6% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,168.00 (+11,918.6%) | $375,300 (+23.29%) Land $75,100 Building $300,200 | $377,722 |
| 2025 | $43.00 (-99.02%) | $304,400 (+3.75%) Land $68,200 Building $236,200 | |
| 2024 | $4,398.00 | $293,400 Land $62,000 Building $231,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Halford St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
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 | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · rainfall accumulation |
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 risk around 48 Halford 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 380 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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