11 Temple St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 11 Temple St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,584 sqft · built 1900
Lot Size	0.233 acres (10,135 sqft)
Owner	Individual Name on File
Last Sale	$150,400 (Sep 2015)
Tax Bill	$40 (2025)
Deeds & Mortgages	Apr 2024 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:R-22 B:0068 L:0019`

Property Details

APN / Parcel Number

Primary APN	`M:R-22 B:0068 L:0019`
Alternative APN	`GARD M:R22 B:13 L:19`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,584 sqft Living Area
Gross Area	3,375 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	10,135 sqft (0.233 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	11 TEMPLE ST
City	GARDNER
State	MA
Zip	01440-2719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	13
Legal Lot Number	19
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3017
Census Tract	707500

Owner

Source: Worcester County and Gardner City assessment roll, as of April 14, 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	11 TEMPLE ST, GARDNER, MA 01440-2719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 23, 2015 · Amount on Record
Deed Sale	Sep 23, 2015 · Amount on Record
Deed Book / Page	54330 / 90
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	11 TEMPLE ST, GARDNER, MA 01440-2719
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070382-75
Date	Apr 10, 2024
Book Page	70382/75
Instrument	26081

Lender

Name	ATHOL CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

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
2025	$40.00 (-99%)	$281,700 (+5.47%) Land $75,400 Building $206,300	$332,120
2024	$4,004.00 (+2.9%)	$267,100 (+10.74%) Land $68,600 Building $198,500
2023	$3,891.00	$241,200 Land $67,600 Building $173,600

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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Gateway Fiber Holdings Fiber	2,000 / 2,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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