Worcester County and Gardner City property record for 98 Holly Dr, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 872 sqft · built 1984 |
| Lot Size | 0.965 acres (42,050 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $116,500 (May 1988) |
| Tax Bill | $4,558 (2026) |
| Deeds & Mortgages | Jun 2022 Line of Credit Feb 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:C37 B:5 L:41 |
| Primary APN | GARD M:C37 B:5 L:41 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 872 sqft Living Area |
| Gross Area | 2,346 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 42,050 sqft (0.965 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 98 HOLLY DR |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 5 |
| Legal Lot Number | 41 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 707400 |
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 | 98 HOLLY DR, GARDNER, MA 01440-1226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 2, 2022 | Deed of Trust, Mortgage · Line of Credit WORKERS CU |
| Feb 20, 2018 | Deed of Trust, Mortgage · Closed-End Mortgage SANTANDER BANK NA |
| Mar 6, 2020 | Deed of Trust, Mortgage · Balloon Mortgage SANTANDER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 26, 1988 · Amount on Record |
| Deed Sale | May 26, 1988 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 98 HOLLY DR, GARDNER, MA 01440-1226 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0067690-42 |
|---|---|
| Date | Jun 2, 2022 |
| Book Page | 67690/42 |
| Instrument | 60270 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 98 HOLLY DR, GARDNER, MA 01440-1226 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 58451-175 |
|---|---|
| Date | Feb 20, 2018 |
| Book Page | 58451/175 |
| Instrument | 16098 |
| Name | SANTANDER BANK NA |
|---|
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 98 HOLLY DR, GARDNER, MA 01440-1226 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62007-57 |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | 62007/57 |
| Instrument | 24236 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
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 | $4,558.00 (+10,259.09%) | $331,000 (+7.29%) Land $92,900 Building $238,100 | $339,959 (-1.55%) |
| 2025 | $44.00 (-98.95%) | $308,500 (+10.73%) Land $84,500 Building $224,000 | $345,325 |
| 2024 | $4,176.00 (+2.45%) | $278,600 (+10.25%) Land $76,900 Building $201,700 | |
| 2023 | $4,076.00 | $252,700 Land $75,800 Building $176,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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