Worcester County and Gardner City property record for 7 Halford St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,559 sqft · built 1900 |
| Lot Size | 0.258 acres (11,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,000 (Jan 2021) |
| Tax Bill | $44 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:L-27 B:0032 L:0029 |
| Primary APN | M:L-27 B:0032 L:0029 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,559 sqft Living Area |
| Gross Area | 3,217 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,250 sqft (0.258 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 7 HALFORD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1947 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | GREENWOOD PARK |
| Legal Block | 12 |
| Legal Lot Number | 29 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records · APN M:L-27 B:0032 L:0029
Assessment roll updated April 14, 2026 · Last verified April 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 | 7 HALFORD ST, GARDNER, MA 01440-1947 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2020 | Deed of Trust, Mortgage · Balloon Mortgage GFA FEDERAL CREDIT UNION |
| Jan 29, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 29, 2021 · Amount on Record |
| Deed Sale | Jan 29, 2021 · Amount on Record |
| Prior Sale | Jul 25, 2014 · Amount on Record |
| Deed Book / Page | 64356 / 223 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 7 HALFORD ST, GARDNER, MA 01440-1947 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62432-180 |
|---|---|
| Date | May 20, 2020 |
| Book Page | 62432/180 |
| Instrument | 51469 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 01, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jan 29, 2021 |
| Property Address | 7 HALFORD ST, GARDNER, MA 01440-1947 |
| Document Number | 64356-223 |
| Book / Page | 64356 / 223 |
| Instrument Date | Jan 15, 2021 |
| Instrument | 14220 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Venture |
| Address | 7 HALFORD ST, GARDNER, MA 01440-1947 |
| Document Number | 14221 |
|---|---|
| Date | Jan 29, 2021 |
| Instrument | 14221 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $44.00 (-99.04%) | $312,600 (+2.53%) Land $69,300 Building $243,300 | $366,130 |
| 2024 | $4,570.00 (+4.74%) | $304,900 (+12.72%) Land $63,000 Building $241,900 | |
| 2023 | $4,363.00 | $270,500 Land $62,100 Building $208,400 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), as of November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277074001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Holdings Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 380 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MA2103000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARDNER WATER DEPARTMENT serves 21,381 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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