985 W Broadway, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 985 W Broadway, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,768 sqft · built 2004
Lot Size	0.545 acres (23,725 sqft)
Owner	Individual Name on File
Last Sale	$243,000 (Dec 2014)
Tax Bill	$6,793 (2026)
Deeds & Mortgages	May 2023 Refinance Jul 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:H17 B:3 L:9`

Property Details

APN / Parcel Number

Primary APN	`GARD M:H17 B:3 L:9`
Alternative APN	`M:G-18 B:0073A L:0009`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,768 sqft Living Area
Gross Area	3,344 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,725 sqft (0.545 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	985 W BROADWAY
City	GARDNER
State	MA
Zip	01440-2884
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C2
Legal Subdivision	CHESTER E PULTORAK
Legal Block	3
Legal Lot Number	9
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2029
Census Tract	707300

Owner

985 W Broadway is owned and occupied by an individual who bought it in December 2014.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	985 W BROADWAY, GARDNER, MA 01440-2884
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.

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO
Jul 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Sep 17, 2018	Deed of Trust, Mortgage ATHOL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2014 · Amount on File
Deed Sale	Dec 30, 2014 · Amount on File
Prior Sale	Feb 7, 2005 · Amount on File
Deed Book / Page	53217 / 64
Transfer Doc	0053217-64
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	985 W BROADWAY, GARDNER, MA 01440-2884
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069122-121
Date	May 12, 2023
Book Page	69122/121
Instrument	36379

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2048

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	985 W BROADWAY, GARDNER, MA 01440-2884
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065554-344
Date	Jul 6, 2021
Book Page	65554/344
Instrument	93929

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	985 W BROADWAY, GARDNER, MA 01440-2884
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59410-19
Date	Sep 17, 2018
Book Page	59410/19
Instrument	97749

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 985 W Broadway was $6,793, up 10,856.5% from the year before.

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	$6,793.00 (+10,856.45%)	$493,300 (+13.3%) Land $84,200 Building $409,100	$501,306 (+26.54%)
2025	$62.00 (-99.03%)	$435,400 (+1.61%) Land $76,600 Building $358,800	$396,150
2024	$6,423.00 (+5.17%)	$428,500 (+13.18%) Land $69,600 Building $358,900
2023	$6,107.00	$378,600 Land $68,600 Building $310,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 985 W Broadway in Zone X, an area of minimal flood risk.

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	4 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

Wildfire risk around 985 W Broadway 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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