81 Monadnock St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 81 Monadnock St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,756 sqft · built 1930
Lot Size	0.149 acres (6,500 sqft)
Owner	Individual Name on Record
Last Sale	$76,000 (May 1997)
Tax Bill	$40 (2025)
Deeds & Mortgages	Mar 2021 Refinance Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:N-25 B:0023 L:0022`

Property Details

APN / Parcel Number

Primary APN	`M:N-25 B:0023 L:0022`
Alternative APN	`GARD M:M27 B:24 L:22`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,756 sqft Living Area
Gross Area	3,658 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,500 sqft (0.149 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	81 MONADNOCK ST
City	GARDNER
State	MA
Zip	01440-2103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	24
Legal Lot Number	22
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 June 12, 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	81 MONADNOCK ST, GARDNER, MA 01440-2103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 1997 · Amount on Record
Deed Sale	May 29, 1997 · Amount on Record
Deed Book / Page	18864 / 261
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	81 MONADNOCK ST, GARDNER, MA 01440-2103
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64824-1
Date	Mar 31, 2021
Book Page	64824/1
Instrument	44354

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	81 MONADNOCK ST, GARDNER, MA 01440-2103
Document Number	59605-323
Instrument Date	Oct 15, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 MONADNOCK ST GARDNER MA 014402103, GARDNER, MA 01440-2103

Mortgage

Document Number	59605-323
Date	Oct 26, 2018
Book Page	059605/000323
Instrument	114227

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 25, 2038

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
2025	$40.00 (-99.04%)	$280,900 (+0.97%) Land $66,500 Building $214,400	$334,305
2024	$4,170.00 (+7.86%)	$278,200 (+16.06%) Land $60,400 Building $217,800
2023	$3,866.00	$239,700 Land $59,500 Building $180,200

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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