Worcester County and Gardner City property record for 52 Montvale Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,926 sqft · built 1947 |
| Lot Size | 0.553 acres (24,067 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (May 2024) |
| Tax Bill | $5,417 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R12 B:9 L:28 |
| Primary APN | GARD M:R12 B:9 L:28 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,926 sqft Living Area |
| Gross Area | 4,214 sqft |
| Basement Area | 1,190 sqft |
| Unfinished Basement | 1,190 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 | 24,067 sqft (0.553 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 52 MONTVALE RD |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 9 |
| Legal Lot Number | 28 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 707100 |
52 Montvale Rd is owned and occupied by two individuals who bought it in May 2024.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 52 MONTVALE RD, GARDNER, MA 01440-3557 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2024 · Amount on File |
| Deed Sale | May 31, 2024 · Amount on File |
| Prior Sale | Sep 12, 2008 |
| Deed Document Number | 202440887 |
| Deed Book / Page | 70574 / 317 |
| Prior Transfer Date | May 30, 2024 |
| Prior Transfer Doc | 070574-317 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 1, 2026 |
| Property Address | 52 MONTVALE RD, GARDNER, MA 01440-3557 |
| Document Number | 0073393-69 |
| Book / Page | 73393 / 69 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202624899 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 52 MONTVALE RD, GARDNER, MA 01440-3557 |
| Document Number | 0000024899, |
|---|---|
| Date | Apr 1, 2026 |
| Book Page | 73393/69 |
| Instrument | 202624899 |
| Name | MOVEMENT MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 52 Montvale Rd was $5,417, up 9,931.5% from the year before.
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 | $5,417.00 (+9,931.48%) | $393,400 (+4.07%) Land $92,900 Building $300,500 | $441,897 (+16.03%) |
| 2025 | $54.00 (-99.03%) | $378,000 (+1.72%) Land $84,400 Building $293,600 | $380,855 |
| 2024 | $5,570.00 | $371,600 Land $76,800 Building $294,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 52 Montvale Rd in Zone X, an area of minimal flood risk.
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 | 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 risk around 52 Montvale Rd is low, with a 0.01% annual chance of 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.
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 237 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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