Worcester County and Gardner City property record for 51 Banner Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,564 sqft · built 1947 |
| Lot Size | 0.251 acres (10,930 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,414 (2026) |
| Deeds & Mortgages | Apr 2018 Line of Credit |
| Flood Zone | Zone A (high risk) |
| APN | GARD M:W07 B:3 L:12 |
| Primary APN | GARD M:W07 B:3 L:12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,564 sqft Living Area |
| Gross Area | 3,048 sqft |
| Basement Area | 780 sqft |
| Unfinished Basement | 780 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,930 sqft (0.251 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 51 BANNER RD |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 3 |
| Legal Lot Number | 12 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 707100 |
Source: Worcester County and Gardner City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 51 BANNER RD, GARDNER, MA 01440-3603 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 51 BANNER RD, GARDNER, MA 01440-3603 |
| Document Number | 58684-1 |
| Instrument Date | Apr 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2018 |
| Name | Verified Name |
|---|
| Document Number | 58684-1 |
|---|---|
| Date | Apr 19, 2018 |
| Book Page | 058684/000001 |
| Instrument | 36346 |
| Name | LEOMINSTER CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 18, 2038 |
| Rate Type | Adjustable Rate |
|---|
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 | $5,414.00 (+9,743.64%) | $393,200 (+1.03%) Land $129,200 Building $264,000 | $389,322 (+4.22%) |
| 2025 | $55.00 (-99.03%) | $389,200 (+2.64%) Land $131,200 Building $258,000 | $373,540 |
| 2024 | $5,684.00 (+8.12%) | $379,200 (+16.35%) Land $119,400 Building $259,800 | |
| 2023 | $5,257.00 | $325,900 Land $111,500 Building $214,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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.
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 | Direct burnable vegetation |
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 66 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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