118 Prospect St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 118 Prospect St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,791 sqft · built 1939
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Tax Bill	$4,420 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Sep 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:S-12 B:0015 L:0020`

Property Details

APN / Parcel Number

Primary APN	`M:S-12 B:0015 L:0020`
Alternative APN	`GARD M:R12 B:14 L:20`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,791 sqft Living Area
Gross Area	3,732 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	118 PROSPECT ST
City	GARDNER
State	MA
Zip	01440-3561
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	14
Legal Lot Number	20
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1039
Census Tract	707100

Owner

118 Prospect St is owned and occupied by an individual who acquired it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	118 PROSPECT ST, GARDNER, MA 01440-3561
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Line of Credit CORNERSTONE BANK
Sep 14, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 14, 2021
Transfer Doc	66058-343
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Jul 30, 2026
Property Address	118 PROSPECT ST, GARDNER, MA 01440-3561
Document Number	0000065038
Book / Page	73956 / 157
Instrument Date	Jul 14, 2026
Instrument	202665038
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 PROSPECT ST, GARDNER, MA 01440-3561

Mortgage

Document Number	0000065038,
Date	Jul 30, 2026
Book Page	73956/157
Instrument	202665038

Lender

Name	CORNERSTONE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Initial Type	Adjustable Rate
Max Rate	-1%

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 14, 2021
Property Address	118 PROSPECT ST, GARDNER, MA 01440-3561
Document Number	66058-343
Book / Page	66058 / 343
Instrument Date	Sep 14, 2021
Instrument	128989
Transaction Type	Transfer
Record Updated	Oct 1, 2021

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	118 PROSPECT ST, GARDNER, MA 01440-3561

Tax Assessment & Valuation

The 2026 property tax bill for 118 Prospect St was $4,420, up 9,945.5% 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	$4,420.00 (+9,945.45%)	$321,000 (+4.05%) Land $75,400 Building $245,600	$359,919 (-6.66%)
2025	$44.00 (-98.93%)	$308,500 (+12.84%) Land $68,500 Building $240,000	$385,605
2024	$4,098.00 (+7.62%)	$273,400 (+15.8%) Land $62,300 Building $211,100
2023	$3,808.00	$236,100 Land $61,400 Building $174,700

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

Flood

FEMA maps place 118 Prospect 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

Wildfire risk around 118 Prospect 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	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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Prospect St

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