Worcester County and Gardner City property record for 109 Cherry St, Gardner, MA 01440 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,094 sqft · built 1935 |
| Lot Size | 0.275 acres (11,959 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $259,900 (Jun 2005) |
| Tax Bill | $5,184 (2025) |
| Deeds & Mortgages | Sep 2025 Transfer Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:S-25 B:0014 L:0029 |
| Primary APN | M:S-25 B:0014 L:0029 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,094 sqft Living Area |
| Gross Area | 4,344 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,959 sqft (0.275 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 109 CHERRY ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2360 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 24 |
| Legal Lot Number | 29 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City records · APN M:S-25 B:0014 L:0029
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 109 CHERRY ST, GARDNER, MA 01440-2360 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Sep 15, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Sep 16, 2019 | Deed of Trust, Mortgage · Balloon Mortgage FIDELITY COOPERATIVE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 01, 2005 · Amount on Record |
| Deed Sale | Jun 01, 2005 · Amount on Record |
| Deed Book / Page | 36456 / 256 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Sep 15, 2025 |
| Property Address | 109 CHERRY ST, GARDNER, MA 01440-2360 |
| Document Number | 072535-320 |
| Book / Page | 72535 / 320 |
| Instrument Date | Sep 03, 2025 |
| Instrument | 78798 |
| Transaction Type | Transfer |
| Record Updated | Oct 08, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 CHERRY ST, GARDNER, MA 01440-2360 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 109 CHERRY ST, GARDNER, MA 01440-2360 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61054-333 |
|---|---|
| Date | Sep 16, 2019 |
| Book Page | 61054/333 |
| Instrument | 94900 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 01, 2039 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified July 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 | $5,184.00 (-3.54%) | $361,000 (+0.7%) Land $76,700 Building $284,300 | $439,375 |
| 2024 | $5,374.00 (+5.33%) | $358,500 (+13.34%) Land $69,700 Building $288,800 | |
| 2023 | $5,102.00 | $316,300 Land $68,700 Building $247,600 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277075003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 2 individual NFIP policies nearby |
| Nearby Flood Policies | 2 in force 2 of 2 on primary residences |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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.
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