Worcester County and Gardner City property record for 10 Harvard St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,072 sqft · built 1953 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $134,000 (Sep 2016) |
| Tax Bill | $36 (2025) |
| Deeds & Mortgages | Apr 2023 Refinance Jun 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M17 B:4 L:17 |
| Primary APN | GARD M:M17 B:4 L:17 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,072 sqft Living Area |
| Gross Area | 2,262 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 10 HARVARD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 4 |
| Legal Lot Number | 17 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 707300 |
Source: Worcester County and Gardner City records · APN GARD M:M17 B:4 L:17
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 10 HARVARD ST, GARDNER, MA 01440-2825 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 19, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC |
| Jun 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST GUARANTY MORTGAGE |
| Oct 09, 2018 | Quit Claim Deed, Transfer HARBORONE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 30, 2016 · Amount on Record |
| Deed Sale | Sep 30, 2016 · Amount on Record |
| Prior Sale | Dec 21, 2015 |
| Deed Book / Page | 56061 / 57 |
| Transfer Doc | 59521-181 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 10 HARVARD ST, GARDNER, MA 01440-2825 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0069034-69 |
|---|---|
| Date | Apr 19, 2023 |
| Book Page | 69034/69 |
| Instrument | 29575 |
| Name | FIGURE LENDING LCC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 01, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 10 HARVARD ST, GARDNER, MA 01440-2825 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 065381-308 |
|---|---|
| Date | Jun 14, 2021 |
| Book Page | 65381/308 |
| Instrument | 82177 |
| Name | FIRST GUARANTY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 09, 2018 |
| Property Address | 10 HARVARD ST, GARDNER, MA 01440-2825 |
| Document Number | 59521-177 |
| Book / Page | 59521 / 177 |
| Instrument | 107001 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $27.18 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 59521-181 |
|---|---|
| Date | Oct 09, 2018 |
| Book Page | 59521/181 |
| Instrument | 107002 |
| Name | HARBORONE MORTGAGE |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 01, 2048 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $36.00 (-99.02%) | $254,800 (+3.87%) Land $65,600 Building $189,200 | $267,045 |
| 2024 | $3,677.00 (+7.64%) | $245,300 (+15.82%) Land $59,700 Building $185,600 | |
| 2023 | $3,416.00 | $211,800 Land $58,800 Building $153,000 |
Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Holdings Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 446 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARDNER WATER DEPARTMENT serves 21,381 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 3 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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