697 Lower Rd, Gilbertville, MA 01031 Property Records

Worcester County and Hardwick Town property record for 697 Lower Rd, Gilbertville, MA 01031

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,026 sqft · built 1989
Lot Size	1.86 acres (81,283 sqft)
Owner	Individual Name on File
Last Sale	$442,000 (Feb 2026)
Tax Bill	$4,892 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Sep 2021 Sale & Mortgage
APN	`1090-00070`

Property Details

APN / Parcel Number

Primary APN	`1090-00070`
Alternative APNs	`HARD M:1090 B:0000 L:0007-0` `M:1090 B:0000 L:0007=0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,026 sqft Living Area
Gross Area	4,082 sqft
1st Floor Area	2,026 sqft
Basement Area	2,026 sqft
Unfinished Basement	2,026 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1994
Architectural Style	Ranch
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	81,283 sqft (1.86 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1090-00070
Street Address	697 LOWER RD
City	GILBERTVILLE
State	MA
Zip	01031-9842
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Lot Number	7-0
Jurisdiction	HARDWICK MA
Township / Civil Division	HARDWICK
Census Block Group	1
Census Block	1085
Census Tract	723100

Owner

Source: Worcester County and Hardwick Town assessment roll, 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	Individual Name on File
Mailing Address	697 LOWER RD, GILBERTVILLE, MA 01031-9842
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Quit Claim Deed, Transfer MORTGAGE RESEARCH CENTER LLC
Sep 17, 2021	Quit Claim Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 27, 2026 · Amount on Record
Deed Sale	Feb 27, 2026 · Amount on Record
Prior Sale	Sep 17, 2021 · Amount on Record
Deed Book / Page	73249 / 223
Record Updated	Sep 20, 2026

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARDWICK MA
Recording Date	Feb 27, 2026
Property Address	697 LOWER RD, GILBERTVILLE, MA 01031-9842
Document Number	073249-223
Book / Page	73249 / 223
Instrument Date	Feb 20, 2026
Instrument	15159
Transaction Type	Transfer
Record Updated	Mar 18, 2026

Transaction

Amount	Amount Recorded
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	697 LOWER RD, HARDWICK, MA

Mortgage

Document Number	0000015160
Date	Feb 27, 2026
Instrument	15160

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARDWICK MA
Recording Date	Sep 17, 2021
Property Address	697 LOWER RD, GILBERTVILLE, MA 01031-9842
Document Number	66091-47
Book / Page	66091 / 47
Instrument Date	Sep 17, 2021
Instrument	131101
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	697 LOWER RD, HARDWICK, MA

Mortgage

Document Number	131102
Date	Sep 17, 2021
Instrument	131102

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$4,892.00 (+4.2%)	$372,000 (-) Land $43,500 Building $328,500	$431,490 (-9.74%)
2024	$4,695.00 (+0.69%)	$372,000 (+6.1%) Land $43,500 Building $328,500	$478,040
2023	$4,663.00	$350,600 Land $41,500 Building $309,100

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 at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Lower Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures