678 Lower Rd, Gilbertville, MA 01031 Property Records

Worcester County and Hardwick Town property record for 678 Lower Rd, Gilbertville, MA 01031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,920 sqft · built 2003
Lot Size	0.925 acres (40,293 sqft)
Owner	Individual Name on Record
Last Sale	$253,000 (Sep 2020)
Tax Bill	$4,779 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jul 2017 Line of Credit
APN	`1090-00090`

Property Details

APN / Parcel Number

Primary APN	`1090-00090`
Alternative APNs	`HARD M:1090 B:0000 L:0009-0` `M:1090 B:0000 L:0009=0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,920 sqft Living Area
Gross Area	2,620 sqft
1st Floor Area	1,274 sqft
Basement Area	1,196 sqft
Unfinished Basement	550 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,293 sqft (0.925 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1090-00090
Street Address	678 LOWER RD
City	GILBERTVILLE
State	MA
Zip	01031-9713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Lot Number	9-0
Jurisdiction	HARDWICK MA
Township / Civil Division	HARDWICK
Census Block Group	1
Census Block	1084
Census Tract	723100

Owner

Source: Worcester County and Hardwick Town records, as of July 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	678 LOWER RD, GILBERTVILLE, MA 01031-9713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Jul 17, 2017	Deed of Trust, Mortgage · Line of Credit UMASSFIVE COLLEGE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2020 · Amount on Record
Deed Sale	Sep 25, 2020 · Amount on Record
Prior Sale	Aug 22, 2003 · Amount on Record
Deed Document Number	2020112408
Deed Book / Page	63348 / 334
Record Updated	Sep 20, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARDWICK MA
Recording Date	Sep 25, 2020
Property Address	678 LOWER RD, GILBERTVILLE, MA 01031-9713
Document Number	63348-334
Book / Page	63348 / 334
Instrument Date	Sep 22, 2020
Instrument	112408
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
Address	LOWER RD, GILBERTVILLE, MA

Mortgage

Document Number	112409
Date	Sep 25, 2020
Instrument	112409

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARDWICK MA
Property Address	678 LOWER RD, GILBERTVILLE, MA 01031-9713
Document Number	57445-196
Instrument Date	Jul 17, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	57445-196
Date	Jul 20, 2017
Book Page	057445/000196
Instrument	77016

Lender

Name	UMASSFIVE COLLEGE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 19, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Worcester County and Hardwick Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Hardwick Town
Unified School District	Quabbin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,779.00 (+4.14%)	$363,400 (-0.06%) Land $42,400 Building $321,000	$375,440 (+5.22%)
2024	$4,589.00 (+3.08%)	$363,600 (+8.63%) Land $42,400 Building $321,200	$356,820
2023	$4,452.00	$334,700 Land $40,400 Building $294,300

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	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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