54 Abbott St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 54 Abbott St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,288 sqft · built 1923
Lot Size	0.206 acres (8,970 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Apr 2021)
Tax Bill	$3,787 (2026)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:10 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:10 L:2`
Alternative APN	`M:O-28 B:0009 L:0002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Gross Area	3,800 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Bungalow
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,970 sqft (0.206 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	54 ABBOTT ST
City	GARDNER
State	MA
Zip	01440-1611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	10
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1032
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	54 ABBOTT ST, GARDNER, MA 01440-1611
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORTHERN BANK & TRUST CO
Feb 5, 2020	Deed of Trust, Mortgage · Balloon Mortgage GFA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2021 · Amount on Record
Deed Sale	Apr 16, 2021 · Amount on Record
Deed Document Number	202152909
Deed Book / Page	64954 / 72
Record Updated	Oct 29, 2026

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 16, 2021
Property Address	54 ABBOTT ST, GARDNER, MA 01440-1611
Document Number	64954-72
Book / Page	64954 / 72
Instrument Date	Apr 16, 2021
Instrument	52909
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Relationship	Joint Tenants
Address	54 ABBOTT ST, GARDNER, MA 01440-1611

Mortgage

Document Number	52910
Date	Apr 16, 2021
Instrument	52910

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	54 ABBOTT ST, GARDNER, MA 01440-1611
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61848-176
Date	Feb 5, 2020
Book Page	61848/176
Instrument	11998

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2040

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	$3,787.00 (+9,865.79%)	$275,000 (+2.54%) Land $74,700 Building $200,300	$331,228 (+3.4%)
2025	$38.00 (-99.03%)	$268,200 (+2.21%) Land $67,900 Building $200,300	$320,340
2024	$3,933.00 (+8.02%)	$262,400 (+16.26%) Land $61,800 Building $200,600
2023	$3,641.00	$225,700 Land $60,900 Building $164,800

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 · 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	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 272 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

May also be available: Verizon.

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