109 Temple St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 109 Temple St, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,421 sqft · built 1961
Lot Size	0.437 acres (19,046 sqft)
Owner	2 Individual Names on File
Last Sale	$209,900 (Sep 2016)
Tax Bill	$50 (2025)
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:14 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:14 L:2`
Alternative APN	`M:S-22 B:0056 L:0002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,421 sqft Living Area
Gross Area	4,996 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,046 sqft (0.437 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	109 TEMPLE ST
City	GARDNER
State	MA
Zip	01440-2352
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	14
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3021
Census Tract	707500

Owner

Source: Worcester County and Gardner City records · APN GARD M:R22 B:14 L:2

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	2 Individual Names on File
Mailing Address	109 TEMPLE ST, GARDNER, MA 01440-2352
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 20, 2016 · Amount on Record
Deed Sale	Sep 20, 2016 · Amount on Record
Deed Document Number	2016106013
Deed Book / Page	55996 / 9
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

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	$50.00 (-99.05%)	$354,600 (+1.52%) Land $81,400 Building $273,200	$370,025
2024	$5,236.00 (+5.08%)	$349,300 (+13.08%) Land $74,000 Building $275,300
2023	$4,983.00	$308,900 Land $72,900 Building $236,000

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 215 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250

May also be available at this address: Verizon, T-Mobile USA, Gateway Fiber Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.