120 Cherry St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 120 Cherry St, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,648 sqft · built 1900
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$212,000 (Feb 2020)
Tax Bill	$50 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:S-25 B:0008 L:0038`

Property Details

APN / Parcel Number

Primary APN	`M:S-25 B:0008 L:0038`
Alternative APN	`GARD M:R27 B:24 L:38`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,648 sqft Living Area
Gross Area	2,749 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
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	Gas

Location & Zoning

Street Address	120 CHERRY ST
City	GARDNER
State	MA
Zip	01440-2361
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	24
Legal Lot Number	38
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3003
Census Tract	707500

Owner

Source: Worcester County and Gardner City records · APN M:S-25 B:0008 L:0038

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	120 CHERRY ST, GARDNER, MA 01440-2361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 26, 2020 · Amount on Record
Deed Sale	Feb 26, 2020 · Amount on Record
Deed Document Number	202018
Deed Book / Page	61949 / 134
Record Updated	Jun 08, 2026

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 26, 2020
Property Address	120 CHERRY ST, GARDNER, MA 01440-2361
Document Number	61949-134
Book / Page	61949 / 134
Instrument Date	Feb 13, 2020
Instrument	20018
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	120 CHERRY ST, GARDNER, MA 01440-2361

Mortgage

Document Number	20019
Date	Feb 26, 2020
Instrument	20019

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$50.00 (-99%)	$350,800 (+5.16%) Land $75,900 Building $274,900	$374,870
2024	$5,001.00 (+3.22%)	$333,600 (+11.05%) Land $69,100 Building $264,500
2023	$4,845.00	$300,400 Land $68,100 Building $232,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277075003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 2 individual NFIP policies nearby
Nearby Flood Policies	2 in force 2 of 2 on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.