52 Bancroft St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 52 Bancroft St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,608 sqft · built 1925
Lot Size	0.176 acres (7,680 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Sep 2026)
Tax Bill	$4,781 (2026)
Deeds & Mortgages	Sep 2026 Second Mortgage Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:N-27 B:0001B L:0043`

Property Details

APN / Parcel Number

Primary APN	`M:N-27 B:0001B L:0043`
Alternative APN	`GARD M:M27 B:19 L:40`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,608 sqft Living Area
Gross Area	6,284 sqft
Basement Area	1,188 sqft
Unfinished Basement	1,188 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,680 sqft (0.176 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	52 BANCROFT ST
City	GARDNER
State	MA
Zip	01440-1960
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	19
Legal Lot Number	40
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2007
Census Tract	707400

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	52 BANCROFT ST, GARDNER, MA 01440-1960
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Person

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MORTGAGE MORTGAGE
Sep 2, 2026	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2026 · Amount on Record
Deed Sale	Sep 2, 2026 · Amount on Record
Deed Document Number	202677103
Deed Book / Page	74121 / 276
Prior Transfer Date	Aug 27, 2026
Prior Transfer Doc	0000077103
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Sep 2, 2026
Property Address	52 BANCROFT ST, GARDNER, MA 01440-1960
Document Number	0000077105
Book / Page	74121 / 300
Instrument Date	Sep 2, 2026
Instrument	202677105
Transaction Type	Mortgage
Record Updated	Sep 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 BANCROFT ST, GARDNER, MA 01440-1960

Mortgage

Document Number	0000077105,
Date	Sep 2, 2026
Book Page	74121/300
Instrument	202677105

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2041

Interest

Max Rate	-1%

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 2, 2026
Property Address	52 BANCROFT ST, GARDNER, MA 01440-1960
Document Number	0000077103
Book / Page	74121 / 276
Instrument Date	Aug 27, 2026
Instrument	202677103
Transaction Type	Transfer
Record Updated	Sep 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 BANCROFT ST, GARDNER, MA 01440-1960

Mortgage

Date	Sep 2, 2026

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

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	$4,781.00 (+10,293.48%)	$347,200 (+7.59%) Land $72,400 Building $274,800	$394,894
2025	$46.00 (-98.92%)	$322,700 (+13.31%) Land $65,800 Building $256,900
2024	$4,269.00 (-1.13%)	$284,800 (+6.39%) Land $59,800 Building $225,000
2023	$4,318.00	$267,700 Land $59,000 Building $208,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Direct burnable vegetation

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 519 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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