70 Banner Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 70 Banner Rd, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,125 sqft · built 1940
Lot Size	0.315 acres (13,735 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Jan 2024)
Tax Bill	$51 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`GARD M:W07 B:8 L:3`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W07 B:8 L:3`
Alternative APN	`M:W-07 B:0006 L:0003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,125 sqft Living Area
Gross Area	2,370 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,735 sqft (0.315 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	70 BANNER RD
City	GARDNER
State	MA
Zip	01440-3604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	8
Legal Lot Number	3
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2047
Census Tract	707100

Owner

Source: Worcester County and Gardner City records · APN GARD M:W07 B:8 L:3

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	2 Individual Names on File
Mailing Address	70 BANNER RD, GARDNER, MA 01440-3604
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage DIGITAL FCU
Jun 10, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP
Aug 11, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CUTTER HILL CAPITAL

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 11, 2024 · Amount on Record
Deed Sale	Jan 11, 2024 · Amount on Record
Prior Sale	Jun 10, 2022 · Amount on Record
Deed Book / Page	70086 / 319
Transfer Doc	50913-55
Record Updated	Jun 08, 2026

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 11, 2024
Property Address	70 BANNER RD, GARDNER, MA 01440-3604
Document Number	070086-319
Book / Page	70086 / 319
Instrument Date	Jan 11, 2024
Instrument	2565
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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
Relationship	Tenants by the Entirety
Address	70 BANNER RD, GARDNER, MA 01440-3604

Mortgage

Document Number	0000002566
Date	Jan 11, 2024
Instrument	2566

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 10, 2022
Property Address	70 BANNER RD, GARDNER, MA 01440-3604
Document Number	0067729-59
Book / Page	67729 / 59
Instrument Date	Jun 10, 2022
Instrument	63346
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	70 BANNER RD, GARDNER, MA 01440-3604

Mortgage

Document Number	0000063347
Date	Jun 10, 2022
Instrument	63347

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jul 01, 2032
Max Rate At Change	2.88%
Index	1-Year CMT

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 11, 2021
Property Address	70 BANNER RD, GARDNER, MA 01440-3604
Document Number	065819-313
Book / Page	65819 / 313
Instrument Date	Aug 11, 2021
Instrument	112899
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 W MOUNTAIN ST, WORCESTER, MA 01606-1340

Mortgage

Document Number	0000112900
Date	Aug 11, 2021
Instrument	112900

Lender

Name	CUTTER HILL CAPITAL

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

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	$51.00 (-98.97%)	$355,500 (+7.4%) Land $134,500 Building $221,000	$333,260
2024	$4,962.00 (+6.89%)	$331,000 (+15.01%) Land $122,300 Building $208,700
2023	$4,642.00	$287,800 Land $114,300 Building $173,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277071002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 66 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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