53 Monadnock St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 53 Monadnock St, Gardner, MA 01440

Property Summary

Property Type	Apartments (5+ Units)
Details	7 bd · 5 ba · 3,800 sqft · built 1930
Lot Size	0.26 acres (11,327 sqft)
Owner	Company Name on Record
Last Sale	$565,000 (Jun 2023)
Tax Bill	$71 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2022 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`M:N-25 B:0027 L:0026`

Property Details

APN / Parcel Number

Primary APN	`M:N-25 B:0027 L:0026`
Alternative APN	`GARD M:M27 B:24 L:26`

Interior

Bedrooms	7 Beds
Full Baths	5 Baths
Total Rooms	17 Rooms
Units	5 Units
Stories	3 Stories
Building Area	3,800 sqft Living Area
Gross Area	5,935 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	11,327 sqft (0.26 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	53 MONADNOCK ST
City	GARDNER
State	MA
Zip	01440-2125
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Block	24
Legal Lot Number	26
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 April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	29 ADAMS ST, A, BURLINGTON, MA 01803-4915
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2021	Deed of Trust, Mortgage · Commercial Mortgage PHILIP K ROBERTSON
May 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FRANKLIN SAVINGS BANK (MAINE)
Jan 29, 2026	Deed of Trust, Mortgage NORTH SHORE BANK
Feb 9, 2026	Deed of Trust, Mortgage NORTH SHORE BANK
Jun 1, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ABINGTON BANK
Sep 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BAY STATE SAVINGS BANK
Sep 6, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Prior Sale	Sep 6, 2019 · Amount on Record
Deed Book / Page	69203 / 43
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	53 MONADNOCK ST, GARDNER, MA 01440-2125
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066257-111
Date	Oct 8, 2021
Book Page	66257/111
Instrument	142059

Lender

Name	PHILIP K ROBERTSON

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	53 MONADNOCK ST, GARDNER, MA 01440-2125
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067645-247
Date	May 25, 2022
Book Page	67645/247
Instrument	56976

Lender

Name	FRANKLIN SAVINGS BANK (MAINE)
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	53 MONADNOCK ST, GARDNER, MA 01440-2125
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073137-170
Date	Jan 29, 2026
Book Page	73137/170
Instrument	7201

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Amount	Amount Recorded

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	53 MONADNOCK ST, GARDNER, MA 01440-2125
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073178-35
Date	Feb 9, 2026
Book Page	73178/35
Instrument	10200

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Amount	Amount Recorded

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 1, 2023
Property Address	53 MONADNOCK ST, GARDNER, MA 01440-2125
Document Number	0069203-43
Book / Page	69203 / 43
Instrument Date	May 30, 2023
Instrument	42461
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 ADAMS ST # A, A, BURLINGTON, MA 01803-4915

Mortgage

Document Number	0000042462
Date	Jun 1, 2023
Instrument	42462

Lender

Name	ABINGTON BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	53 MONADNOCK ST, GARDNER, MA 01440-2125
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61136-364
Date	Sep 27, 2019
Book Page	61136/364
Instrument	101247

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 6, 2019
Property Address	53 MONADNOCK ST, GARDNER, MA 01440-2125
Document Number	61008-123
Book / Page	061008 / 000123
Instrument Date	Sep 5, 2019
Instrument	91189
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,440.96
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6 OAKES LNDG SHIRLEY MA 014642148, SHIRLEY, MA 01464-2148

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
2025	$71.00 (-98.87%)	$496,500 (+18.3%) Land $69,300 Building $427,200
2024	$6,291.00 (+0.72%)	$419,700 (+8.39%) Land $63,000 Building $356,700
2023	$6,246.00	$387,200 Land $62,100 Building $325,100

Assessed value is set for property tax purposes and is not a market price estimate.

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	None beyond ember reach

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.

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