49 Abbott St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 49 Abbott St, Gardner, MA 01440

Property Summary

Property Type	Triplex
Details	9 bd · 3 ba · 4,302 sqft · built 1924
Lot Size	0.347 acres (15,104 sqft)
Owner	Individual Name on Record
Last Sale	$580,000 (Feb 2025)
Tax Bill	$6,567 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:10 L:3`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:10 L:3`
Alternative APN	`M:O-28 B:0014 L:0003`

Interior

Bedrooms	9 Beds
Full Baths	3 Baths
Total Rooms	18 Rooms
Units	3 Units
Stories	3 Stories
Building Area	4,302 sqft Living Area
Gross Area	6,606 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	15,104 sqft (0.347 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	49 ABBOTT ST
City	GARDNER
State	MA
Zip	01440-1668
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Block	10
Legal Lot Number	3
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1029
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, as of April 14, 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 Record
Mailing Address	49 ABBOTT ST, GARDNER, MA 01440-1668
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 13, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) TOTAL MORTGAGE SERVICES LLC
Apr 13, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Nov 5, 2018	Quit Claim Deed, Transfer BAY STATE BANK
Sep 29, 2017	Quit Claim Deed, Transfer BAY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2025 · Amount on Record
Deed Sale	Feb 7, 2025 · Amount on Record
Prior Sale	Apr 13, 2021 · Amount on Record
Deed Book / Page	71621 / 296
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	49 ABBOTT ST, GARDNER, MA 01440-1668
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070237-286
Date	Feb 29, 2024
Book Page	70237/286
Instrument	14616

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	49 ABBOTT ST, GARDNER, MA 01440-1668
Transaction Type	Mortgage
Record Updated	Apr 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64924-283
Date	Apr 13, 2021
Book Page	64924/283
Instrument	50977

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 13, 2021
Property Address	49 ABBOTT ST, GARDNER, MA 01440-1668
Document Number	64924-261
Book / Page	64924 / 261
Instrument Date	Apr 12, 2021
Instrument	50975
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	36 BOUTELLE ST, LEOMINSTER, MA 01453-6302

Mortgage

Document Number	50976
Date	Apr 13, 2021
Instrument	50976

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	064924-283
Date	Apr 13, 2021
Book Page	64924/283
Instrument	50977

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 5, 2018
Property Address	49 ABBOTT ST, GARDNER, MA 01440-1668
Document Number	59647-114
Book / Page	59647 / 114
Instrument	117543
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$36.57
Amount Accuracy	Non-Arm's Length Transaction
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59647-117
Date	Nov 5, 2018
Book Page	59647/117
Instrument	117544

Lender

Name	BAY STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 29, 2017
Property Address	49 ABBOTT ST, GARDNER, MA 01440-1668
Document Number	57820-307
Book / Page	57820 / 307
Instrument	108671
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35.86
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 ABBOTT ST, GARDNER, MA 01440-1668

Mortgage

Document Number	578200310
Date	Sep 29, 2017
Instrument	57820/0310

Lender

Name	BAY STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2047

Tax Assessment & Valuation

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
2025	$6,567.00 (+23.28%)	$457,300 (+28.67%) Land $71,600 Building $385,700
2024	$5,327.00 (+0.36%)	$355,400 (+7.99%) Land $65,200 Building $290,200
2023	$5,308.00	$329,100 Land $64,300 Building $264,800

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

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 272 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

May also be available: Verizon.

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