49 W Broadway, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 49 W Broadway, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,102 sqft · built 1945
Lot Size	0.263 acres (11,456 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Aug 2018)
Tax Bill	$4,322 (2026)
Deeds & Mortgages	Sep 2021 Refinance Sep 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:23 L:8`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:23 L:8`
Alternative APN	`M:S-15 B:0124 L:0008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,102 sqft Living Area
Gross Area	2,002 sqft
Basement Area	738 sqft
Unfinished Basement	738 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,456 sqft (0.263 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	49 W BROADWAY
City	GARDNER
State	MA
Zip	01440-3345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C1
Legal Block	23
Legal Lot Number	8
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2042
Census Tract	707100

Owner

Source: Worcester County and Gardner City records, as of October 20, 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 W BROADWAY, GARDNER, MA 01440-3345
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Sep 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Aug 17, 2018	Quit Claim Deed, Transfer DIGITAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2018 · Amount on Record
Deed Sale	Aug 17, 2018 · Amount on Record
Prior Sale	Jun 30, 2000 · Amount on Record
Deed Book / Page	59278 / 190
Transfer Doc	059278-190
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	49 W BROADWAY, GARDNER, MA 01440-3345
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066149-295
Date	Sep 27, 2021
Book Page	66149/295
Instrument	134796

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	49 W BROADWAY, GARDNER, MA 01440-3345
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66149-295
Date	Sep 27, 2021
Book Page	66149/295
Instrument	134796

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 17, 2018
Property Address	49 W BROADWAY, GARDNER, MA 01440-3345
Document Number	59278-190
Book / Page	59278 / 190
Instrument	86711
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14.74
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	592780194
Date	Aug 17, 2018
Instrument	59278/0194

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2048

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	Assessed Market Value
2026	$4,322.00 (+9,951.16%)	$313,900 (+4.77%) Land $76,400 Building $237,500	$363,141 (+30.6%)
2025	$43.00 (-98.98%)	$299,600 (+6.85%) Land $69,400 Building $230,200	$278,065
2024	$4,203.00 (+6.92%)	$280,400 (+15.06%) Land $63,100 Building $217,300
2023	$3,931.00	$243,700 Land $62,200 Building $181,500

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

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
Nearest Special Flood Hazard Area	Zone AE, 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

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 252 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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