Worcester County and Gardner City property record for 8 Halford St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 1,599 sqft · built 1919 |
| Lot Size | 0.103 acres (4,465 sqft) |
| Owner | Individual Name on File |
| Last Sale | $121,000 (Jul 2002) |
| Tax Bill | $4,468 (2026) |
| Deeds & Mortgages | Jun 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:L-27 B:0002 L:0034 |
| Primary APN | M:L-27 B:0002 L:0034 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,599 sqft Living Area |
| Gross Area | 3,290 sqft |
| Basement Area | 780 sqft |
| Unfinished Basement | 780 sqft |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1919 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,465 sqft (0.103 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 8 HALFORD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1948 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Block | 12 |
| Legal Lot Number | 34 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 707400 |
8 Halford St, a duplex, is owned and occupied by an individual who bought it in July 2002.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8 HALFORD ST, GARDNER, MA 01440-1948 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 11, 2002 · Amount on File |
| Deed Sale | Jul 11, 2002 · Amount on File |
| Deed Book / Page | 26940 / 347 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 8 HALFORD ST, GARDNER, MA 01440-1948 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62595-250 |
|---|---|
| Date | Jun 15, 2020 |
| Book Page | 62595/250 |
| Instrument | 62480 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2035 |
The 2026 property tax bill for 8 Halford St was $4,468, up 11,975.7% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,468.00 (+11,975.68%) | $324,500 (+24.47%) Land $71,200 Building $253,300 | $316,755 |
| 2025 | $37.00 (-99.05%) | $260,700 (+0.31%) Land $64,800 Building $195,900 | |
| 2024 | $3,896.00 (+6.83%) | $259,900 (+14.95%) Land $58,900 Building $201,000 | |
| 2023 | $3,647.00 | $226,100 Land $58,000 Building $168,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 8 Halford St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 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 |
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 risk around 8 Halford St is low, with a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 380 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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