Worcester County and Gardner City property record for 52 Central St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1820 |
| Square Footage | 3,832 sqft Living Area |
| Lot Size | 14,177 sqft (0.325 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $330,000 (2021) |
| Tax Bill | $68.00 (2025) |
| Primary APN | M:Q-26 B:0002 L:0019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Building Area | 3,832 sqft Living Area |
| Gross Area | 6,640 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1820 |
|---|---|
| Effective Year Built | Effective 1820 |
| Architectural Style | Historical Style |
| Exterior Material | Wood Siding Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 14,177 sqft (0.325 acres) |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Steam Heating |
| Heating Fuel | Oil Heating Fuel |
| Street Address | 52 CENTRAL ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1662 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 17 |
| Legal Lot Number | 19 |
| Jurisdiction | GARDNER MA |
| Minor Civil Division | GARDNER |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 707200 |
Source: Worcester County and Gardner City records · APN M:Q-26 B:0002 L:0019
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 | 52 CENTRAL ST, GARDNER, MA 01440-1662 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 16, 2026 | Quit Claim Deed, Transfer · Stand Alone First Mortgage AMERICAN ACCEPTANCE MORTGAGE |
| Oct 23, 2023 | Deed of Trust, Mortgage · Line of Credit ATHOL SAVINGS BANK |
| Apr 09, 2021 | Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage HARBORONE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Known Transactions |
|
| Deed Doc Number | 202149365 |
| Deed Book / Page | 64900 / 71 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 16, 2026 |
| Property Address | 52 CENTRAL ST, GARDNER, MA 01440-1662 |
| Document Number | 0000060138 |
| Book / Page | 73888 / 270 |
| Instrument Date | Jul 09, 2026 |
| Instrument | 202660138 |
| Transaction Type | Transfer |
| Record Updated | Aug 05, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 52 CENTRAL ST, GARDNER, MA 01440-1662 |
| Date | Jul 16, 2026 |
|---|
| Name | AMERICAN ACCEPTANCE MORTGAGE |
|---|
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 52 CENTRAL ST, GARDNER, MA 01440-1662 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 069791-206 |
|---|---|
| Date | Oct 23, 2023 |
| Book Page | 69791/206 |
| Instrument | 88249 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 01, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 09, 2021 |
| Property Address | 52 CENTRAL ST, GARDNER, MA 01440-1662 |
| Document Number | 0064900-71 |
| Book / Page | 64900 / 71 |
| Instrument Date | Apr 09, 2021 |
| Instrument | 49365 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 52 CENTRAL ST, GARDNER, MA 01440-1662 |
| Document Number | 0000049366 |
|---|---|
| Date | Apr 09, 2021 |
| Instrument | 49366 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
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 | $68.00 (-98.96%) | $478,500 (+9.82%) Land $78,200 Building $400,300 | $455,525 |
| 2024 | $6,531.00 (+20.72%) | $435,700 (+29.9%) Land $71,100 Building $364,600 | |
| 2023 | $5,410.00 | $335,400 Land $70,100 Building $265,300 |
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