87 Monadnock St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 87 Monadnock St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,020 sqft · built 1940
Lot Size	0.15 acres (6,525 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Apr 2022)
Tax Bill	$3,550 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:N-26 B:0022 L:0028`

Property Details

APN / Parcel Number

Primary APN	`M:N-26 B:0022 L:0028`
Alternative APN	`GARD M:M27 B:19 L:28`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,020 sqft Living Area
Gross Area	2,040 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,525 sqft (0.15 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	87 MONADNOCK ST
City	GARDNER
State	MA
Zip	01440-2103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	19
Legal Lot Number	28
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2007
Census Tract	707400

Owner

Source: Worcester County and Gardner City assessment roll, as of April 14, 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	87 MONADNOCK ST, GARDNER, MA 01440-2103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 1, 2022	Fiduciary Deed, Transfer · FHA Mortgage ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 1, 2022 · Amount on Record
Deed Sale	Apr 1, 2022 · Amount on Record
Deed Document Number	202236619
Deed Book / Page	67372 / 96
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	87 MONADNOCK ST, GARDNER, MA 01440-2103
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070062-313
Date	Jan 4, 2024
Book Page	70062/313
Instrument	621

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Feb 1, 2052

April 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 1, 2022
Property Address	87 MONADNOCK ST, GARDNER, MA 01440-2103
Document Number	0067372-96
Book / Page	67372 / 96
Instrument Date	Apr 1, 2022
Instrument	36619
Transaction Type	Transfer
Record Updated	Apr 15, 2022

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	Joint Tenants with Right of Survivorship
Address	87 MONADNOCK ST, GARDNER, MA 01440-2103

Mortgage

Document Number	0000036620
Date	Apr 1, 2022
Instrument	36620

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA 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
2025	$3,550.00 (+3.2%)	$247,200 (+7.71%) Land $66,500 Building $180,700	$305,330
2024	$3,440.00 (+7.5%)	$229,500 (+15.68%) Land $60,500 Building $169,000
2023	$3,200.00	$198,400 Land $59,600 Building $138,800

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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