114 Baker St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 114 Baker St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	6 bd · 2.5 ba · 1,913 sqft · built 1920
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$465,000 (May 2024)
Tax Bill	$4,890 (2026)
Flood Zone	Zone X (minimal risk)
APN	`M:N-22 B:0014 L:0013`

Property Details

APN / Parcel Number

Primary APN	`M:N-22 B:0014 L:0013`
Alternative APN	`GARD M:M22 B:19 L:13`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,913 sqft Living Area
Gross Area	3,764 sqft
Basement Area	850 sqft
Unfinished Basement	850 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	114 BAKER ST
City	GARDNER
State	MA
Zip	01440-2914
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Block	19
Legal Lot Number	13
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1006
Census Tract	707300

Owner

114 Baker St, a duplex, is owned and occupied by an individual who bought it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	114 BAKER ST, GARDNER, MA 01440-2914
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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	May 31, 2024 · Amount on File
Deed Sale	May 31, 2024 · Amount on File
Deed Document Number	202440716
Deed Book / Page	70572 / 282
Prior Transfer Date	May 30, 2024
Prior Transfer Doc	070572-282
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 114 Baker St was $4,890, up 11,542.9% 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	$4,890.00 (+11,542.86%)	$355,100 (+18.6%) Land $76,000 Building $279,100	$424,903
2025	$42.00 (-99.02%)	$299,400 (+4.47%) Land $69,000 Building $230,400
2024	$4,296.00 (+3.07%)	$286,600 (+10.91%) Land $62,800 Building $223,800
2023	$4,168.00	$258,400 Land $61,900 Building $196,500

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

Flood

FEMA maps place 114 Baker St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 114 Baker 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