111 Harvard St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 111 Harvard St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 768 sqft · built 1975
Lot Size	0.248 acres (10,794 sqft)
Owner	Trust Name on File
Last Sale	$40,000 (Dec 2014)
Tax Bill	$3,889 (2026)
Deeds & Mortgages	Oct 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:N-21 B:0025 L:0010`

Property Details

APN / Parcel Number

Primary APN	`M:N-21 B:0025 L:0010`
Alternative APN	`GARD M:M22 B:19 L:10`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
Gross Area	2,408 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,794 sqft (0.248 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	111 HARVARD ST
City	GARDNER
State	MA
Zip	01440-2863
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	19
Legal Lot Number	10
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2011
Census Tract	707300

Owner

111 Harvard St is owner-occupied and held in a trust since October 2023.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Trust Name on File
Mailing Address	111 HARVARD ST, GARDNER, MA 01440-2863
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2014 · Amount on File
Deed Sale	Dec 19, 2014 · Amount on File
Prior Sale	May 30, 2014 · Amount on File
Deed Book / Page	53181 / 206
Last Transfer Date	Oct 11, 2023
Transfer Doc	069747-296
Record Updated	Oct 29, 2026

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 12, 2023
Property Address	111 HARVARD ST, GARDNER, MA 01440-2863
Document Number	069747-296
Book / Page	69747 / 296
Instrument Date	Oct 11, 2023
Instrument	84755
Transaction Type	Transfer
Record Updated	Oct 27, 2023

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	111 HARVARD ST, GARDNER, MA 01440-2863

Tax Assessment & Valuation

The 2026 property tax bill for 111 Harvard St was $3,889, up 10,134.2% from the year before.

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	$3,889.00 (+10,134.21%)	$282,400 (+4.9%) Land $64,500 Building $217,900	$284,892 (+29.09%)
2025	$38.00 (-98.97%)	$269,200 (+8.9%) Land $58,600 Building $210,600	$220,685
2024	$3,706.00 (+9.16%)	$247,200 (+17.43%) Land $53,300 Building $193,900
2023	$3,395.00	$210,500 Land $52,600 Building $157,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 111 Harvard St in Zone X, an area of minimal flood risk.

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	4 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

Wildfire risk around 111 Harvard St is low, with a 0.01% annual chance of 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 446 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Gateway Fiber Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20