73 Monadnock St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 73 Monadnock St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,296 sqft · built 1900
Lot Size	0.17 acres (7,425 sqft)
Owner	Individual Name on Record
Last Sale	$321,000 (Oct 2023)
Tax Bill	$4,368 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:N-25 B:0024 L:0023`

Property Details

APN / Parcel Number

Primary APN	`M:N-25 B:0024 L:0023`
Alternative APN	`GARD M:M27 B:24 L:23`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,296 sqft Living Area
Gross Area	2,464 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,425 sqft (0.17 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	73 MONADNOCK ST
City	GARDNER
State	MA
Zip	01440-2103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	23
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2007
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	73 MONADNOCK ST, GARDNER, MA 01440-2103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 27, 2023	Quit Claim Deed, Transfer · FHA Mortgage ROCKET MORTGAGE
Dec 2, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2023 · Amount on Record
Deed Sale	Oct 27, 2023 · Amount on Record
Prior Sale	Dec 2, 2019 · Amount on Record
Deed Document Number	202389921
Deed Book / Page	69812 / 359
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Apr 3, 2026
Property Address	73 MONADNOCK ST, GARDNER, MA 01440-2103
Document Number	0073401-59
Book / Page	73401 / 59
Instrument Date	Mar 26, 2026
Instrument	202625528
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	73 MONADNOCK ST, GARDNER, MA 01440-2103

Mortgage

Document Number	0000025528,
Date	Apr 3, 2026
Book Page	73401/59
Instrument	202625528

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 27, 2023
Property Address	73 MONADNOCK ST, GARDNER, MA 01440-2103
Document Number	069812-359
Book / Page	69812 / 359
Instrument Date	Oct 27, 2023
Instrument	89921
Transaction Type	Transfer
Record Updated	Nov 10, 2023

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	73 MONADNOCK ST, GARDNER, MA 01440-2103

Mortgage

Document Number	0000089922
Date	Oct 27, 2023
Instrument	89922

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 2, 2019
Property Address	73 MONADNOCK ST, GARDNER, MA 01440-2103
Document Number	61515-343
Book / Page	61515 / 343
Instrument Date	Nov 2, 2019
Instrument	129841
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Relationship	Joint Tenants
Address	73 MONADNOCK ST, GARDNER, MA 01440-2103

Mortgage

Document Number	129842
Date	Dec 2, 2019
Instrument	129842

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$4,368.00 (+10,3%)	$317,200 (+8.04%) Land $73,700 Building $243,500	$346,626 (+15.54%)
2025	$42.00 (-98.98%)	$293,600 (+6.69%) Land $67,000 Building $226,600	$300,010
2024	$4,125.00 (+2.59%)	$275,200 (+10.39%) Land $60,900 Building $214,300
2023	$4,021.00	$249,300 Land $60,000 Building $189,300

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	None beyond ember reach

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 519 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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