Worcester County and Gardner City property record for 117 Pearl St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,656 sqft · built 1952 |
| Lot Size | 0.187 acres (8,143 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,645 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:R-26 B:0103 L:0001 |
| Primary APN | M:R-26 B:0103 L:0001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,656 sqft Living Area |
| Gross Area | 3,968 sqft |
| Basement Area | 1,416 sqft |
| Unfinished Basement | 1,416 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,143 sqft (0.187 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 117 PEARL ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2356 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 18 |
| Legal Lot Number | 36 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 707500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Gardner Uptown Historic District listed 1999 · 88 contributing resources · NRIS 99000660 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
117 Pearl St is owned and occupied by two individuals who acquired it in February 2008.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 117 PEARL ST, GARDNER, MA 01440-2356 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 14, 2008 |
| Deed Sale | Feb 14, 2008 |
| Prior Sale | Jun 1, 2005 · Amount on File |
| Deed Document Number | 200815111 |
| Deed Book / Page | 42415 / 132 |
| Transfer Doc | 1368000112 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 117 Pearl St was $4,645, up 9,997.8% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,645.00 (+9,997.83%) | $337,300 (+4.82%) Land $74,200 Building $263,100 | $368,614 (+8.23%) |
| 2025 | $46.00 (-99.04%) | $321,800 (+1.13%) Land $67,400 Building $254,400 | $340,575 |
| 2024 | $4,770.00 | $318,200 Land $61,300 Building $256,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 117 Pearl 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 | 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 risk around 117 Pearl 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 244 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 |
May also be available: Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures