104 Temple St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 104 Temple St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,327 sqft · built 1900
Lot Size	0.251 acres (10,936 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Apr 2026)
Tax Bill	$3,762 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Aug 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:S-22 B:0013 L:0024`

Property Details

APN / Parcel Number

Primary APN	`M:S-22 B:0013 L:0024`
Alternative APN	`GARD M:R22 B:14 L:24`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,327 sqft Living Area
Gross Area	2,597 sqft
Basement Area	532 sqft
Unfinished Basement	532 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,936 sqft (0.251 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	104 TEMPLE ST
City	GARDNER
State	MA
Zip	01440-2353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	WALTER J DUZBINSKI JR ET US
Legal Block	14
Legal Lot Number	24
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3006
Census Tract	707500

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	104 TEMPLE ST, GARDNER, MA 01440-2353
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Quit Claim Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Aug 26, 2025	Quit Claim Deed, Transfer QS LENDING T
Dec 18, 2023	Quit Claim Deed, Transfer Quitclaim
Feb 16, 2022	Quit Claim Deed, Transfer
Feb 16, 2022	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Aug 26, 2025 · Amount on Record
Deed Document Number	202629094
Deed Book / Page	73452 / 98
Prior Transfer Date	Aug 25, 2025
Prior Transfer Doc	0072448-40
Record Updated	Oct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 16, 2026
Property Address	104 TEMPLE ST, GARDNER, MA 01440-2353
Document Number	0073452-98
Book / Page	73452 / 98
Instrument Date	Apr 7, 2026
Instrument	202629094
Transaction Type	Transfer
Record Updated	Jul 6, 2026

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
Address	104 TEMPLE ST, GARDNER, MA 01440-2353
Investor	Possibly a Property Investor

Mortgage

Date	Apr 16, 2026

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6%
Max Rate	-1%

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 26, 2025
Property Address	104 TEMPLE ST, GARDNER, MA 01440-2353
Document Number	0072448-40
Book / Page	72448 / 40
Instrument Date	Aug 25, 2025
Instrument	72196
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
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
Address	104 TEMPLE ST, GARDNER, MA 01440-2353

Mortgage

Document Number	0000072197
Date	Aug 26, 2025
Instrument	72197

Lender

Name	QS LENDING T

Agreement

Amount	Amount Recorded

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 18, 2023
Property Address	104 TEMPLE ST, GARDNER, MA 01440-2353
Document Number	00070007-1
Book / Page	70007 / 1
Instrument Date	Dec 8, 2023
Instrument	105657
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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
Address	723 DEITRICH RD, HALIFAX, PA 17032-7727

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 16, 2022
Property Address	104 TEMPLE ST, GARDNER, MA 01440-2353
Document Number	067126-125
Book / Page	67126 / 125
Instrument Date	Aug 22, 2021
Instrument	18614
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
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
Address	126 SW 148TH ST STE C100, C100, BURIEN, WA 98166-1984

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 16, 2022
Property Address	104 TEMPLE ST, GARDNER, MA 01440-2353
Document Number	067126-121
Book / Page	67126 / 121
Instrument Date	Aug 3, 2021
Instrument	18613
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
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
Address	13081 POWAY RD, POWAY, CA 92064-4519
Investor	Possibly a Property Investor

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	$3,762.00 (+3.81%)	$273,200 (+8.24%) Land $83,600 Building $189,600	$392,131 (-13.1%)
2025	$3,624.00 (+1.57%)	$252,400 (+6.05%) Land $76,000 Building $176,400	$451,250
2024	$3,568.00 (+1.48%)	$238,000 (+9.17%) Land $69,100 Building $168,900
2023	$3,516.00	$218,000 Land $68,100 Building $149,900

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Gateway Fiber, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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