116 High St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 116 High St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,512 sqft · built 1880
Lot Size	0.644 acres (28,048 sqft)
Owner	2 Individual Names on Record
Last Sale	$489,900 (May 2024)
Tax Bill	$4,950 (2026)
Deeds & Mortgages	Nov 2025 Mortgage May 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:T-12 B:0013 L:0029`

Property Details

APN / Parcel Number

Primary APN	`M:T-12 B:0013 L:0029`
Alternative APN	`GARD M:R12 B:10 L:29`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,512 sqft Living Area
Gross Area	4,486 sqft
Basement Area	1,102 sqft
Unfinished Basement	1,102 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,048 sqft (0.644 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	116 HIGH ST
City	GARDNER
State	MA
Zip	01440-3608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	10
Legal Lot Number	29
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2035
Census Tract	707100

Owner

Source: Worcester County and Gardner City records, as of October 20, 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 Record
Mailing Address	116 HIGH ST, GARDNER, MA 01440-3608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Quit Claim Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
May 1, 2017	Deed of Trust, Mortgage · Closed-End Mortgage GFA FEDERAL CREDIT UNION
Jan 25, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance NORCOM MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2024 · Amount on Record
Deed Sale	May 31, 2024 · Amount on Record
Prior Sale	Aug 21, 2015 · Amount on Record
Deed Book / Page	70580 / 171
Last Transfer Date	Nov 6, 2025
Transfer Doc	072798-261
Record Updated	Oct 29, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 7, 2025
Property Address	116 HIGH ST, GARDNER, MA 01440-3608
Document Number	072798-261
Book / Page	72798 / 261
Instrument Date	Nov 6, 2025
Instrument	97492
Transaction Type	Transfer
Record Updated	Nov 26, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	116 HIGH ST, GARDNER, MA 01440-3608

Mortgage

Document Number	0000097493
Date	Nov 7, 2025
Instrument	97493

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	116 HIGH ST, GARDNER, MA 01440-3608
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57051-170
Date	May 1, 2017
Book Page	57051/170
Instrument	43526

Lender

Name	GFA FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2037

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 25, 2021
Property Address	116 HIGH ST, GARDNER, MA 01440-3608
Document Number	064312-131
Book / Page	64312 / 131
Instrument Date	Jan 15, 2021
Instrument	11316
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	116 HIGH ST, GARDNER, MA 01440-3608

Mortgage

Document Number	064312-134
Date	Jan 25, 2021
Book Page	64312/134
Instrument	11317

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2046

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
2026	$4,950.00 (+3.34%)	$359,500 (+7.76%) Land $87,100 Building $272,400	$469,484 (+3%)
2025	$4,790.00 (+2.33%)	$333,600 (+6.82%) Land $79,200 Building $254,400	$455,810
2024	$4,681.00 (+1.61%)	$312,300 (+9.35%) Land $72,000 Building $240,300
2023	$4,607.00	$285,600 Land $70,900 Building $214,700

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on High St

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