48 Summit Ave, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 48 Summit Ave, Gardner, MA 01440 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1900
Square Footage	1,512 sqft Living Area
Lot Size	21,350 sqft (0.49 acres)
Occupancy	Owner Occupied
Last Sale	$11,000 (1995)
Tax Bill	$41.00 (2025)

Owner

Source: Worcester County and Gardner City records · APN GARD M:R12 B:8 L:15

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	48 SUMMIT AVE, GARDNER, MA 01440-3542
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Also Known As (AKA)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 28, 1995 · Amount on Record
Deed Sale	Nov 28, 1995 · Amount on Record
Prior Sale	Sep 01, 1993 · Amount on Record
Last Transfer Date	Oct 07, 2024
Transfer Doc	071122-186
Record Refreshed	Jun 08, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	48 SUMMIT AVE, GARDNER, MA 01440-3542
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62479-1
Date	May 28, 2020
Book Page	62479/1
Instrument	54528

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 01, 2040

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$41.00 (-98.99%)	$285,600 (+5.27%) Land $75,300 Building $210,300	$313,405
2024	$4,067.00 (+2.65%)	$271,300 (+10.46%) Land $68,500 Building $202,800
2023	$3,962.00	$245,600 Land $67,500 Building $178,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:8 L:15`
Alternative APN	`M:R-13 B:0003 L:0015`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Total Rooms	7 Rooms
Building Area	1,512 sqft Living Area
Gross Area	3,626 sqft Gross Area
Stories	2 Stories

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional Style
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gambrel Roof Construction
Roof Material	Asphalt Roof
Lot Area	21,350 sqft (0.49 acres)

Utilities and HVAC

Heating System	Steam Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	48 SUMMIT AVE
City	GARDNER
State	MA
Zip	01440-3542
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	8
Legal Lot Number	15
Jurisdiction	GARDNER MA
Minor Civil Division	GARDNER
Census Blockgroup	1
Census Block	1036
Census Tract	707100