86 Jackson Hill Rd, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 86 Jackson Hill Rd, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,696 sqft · built 2000
Lot Size	0.316 acres (13,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$471,000 (May 2025)
Tax Bill	$5,983 (2026)
Deeds & Mortgages	May 2025 Sale & Mortgage Sep 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:Q-18 B:0004E L:0019D`

Property Details

APN / Parcel Number

Primary APN	`M:Q-18 B:0004E L:0019D`
Alternative APN	`GARD M:R17 B:7 L:19D`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,696 sqft Living Area
Gross Area	3,060 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,750 sqft (0.316 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	86 JACKSON HILL RD
City	GARDNER
State	MA
Zip	01440-4134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	ERIC M ELAINE V OLSON
Legal Block	7
Legal Lot Number	19D
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2013
Census Tract	707100

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	2 Individual Names on Record
Mailing Address	86 JACKSON HILL RD, GARDNER, MA 01440-4134
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 5, 2025	Quit Claim Deed, Transfer · FHA Mortgage HARBORONE MORTGAGE
Sep 8, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2025 · Amount on Record
Deed Sale	May 5, 2025 · Amount on Record
Prior Sale	Sep 15, 2000 · Amount on Record
Deed Book / Page	71946 / 156
Record Updated	Oct 29, 2026

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 5, 2025
Property Address	86 JACKSON HILL RD, GARDNER, MA 01440-4134
Document Number	071946-156
Book / Page	71946 / 156
Instrument Date	May 5, 2025
Instrument	35254
Transaction Type	Transfer
Record Updated	Nov 19, 2025

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
Relationship	Tenants by the Entirety
Address	86 JACKSON HILL RD, GARDNER, MA 01440-4134

Mortgage

Document Number	0000035255
Date	May 5, 2025
Instrument	35255

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 8, 2023
Property Address	86 JACKSON HILL RD, GARDNER, MA 01440-4134
Document Number	0069620-21
Book / Page	69620 / 21
Instrument Date	Sep 5, 2023
Instrument	74817
Transaction Type	Transfer
Record Updated	Sep 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	86 JACKSON HILL RD, GARDNER, MA 01440-4134

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	$5,983.00 (+8.31%)	$434,500 (+12.95%) Land $81,400 Building $353,100	$448,428 (+9.52%)
2025	$5,524.00 (-2.61%)	$384,700 (+1.66%) Land $74,000 Building $310,700	$409,450
2024	$5,672.00 (+5.62%)	$378,400 (+13.67%) Land $67,300 Building $311,100
2023	$5,370.00	$332,900 Land $66,400 Building $266,500

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 · 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	2 in force

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

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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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