123 Cherry St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 123 Cherry St, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,725 sqft · built 1900
Lot Size	0.137 acres (5,980 sqft)
Owner	2 Individual Names on File
Last Sale	$227,150 (Mar 2019)
Tax Bill	$4,844 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:S-25 B:0012 L:0027`

Property Details

APN / Parcel Number

Primary APN	`M:S-25 B:0012 L:0027`
Alternative APN	`GARD M:R27 B:24 L:27`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,725 sqft Living Area
Gross Area	2,708 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	5,980 sqft (0.137 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	123 CHERRY ST
City	GARDNER
State	MA
Zip	01440-2360
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	24
Legal Lot Number	27
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3009
Census Tract	707500

Owner

Source: Worcester County and Gardner City records · APN M:S-25 B:0012 L:0027

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	2 Individual Names on File
Mailing Address	123 CHERRY ST, GARDNER, MA 01440-2360
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · Line of Credit WORKERS CU
Mar 01, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Mar 27, 2019	Quit Claim Deed, Transfer · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 27, 2019 · Amount on Record
Deed Sale	Mar 27, 2019 · Amount on Record
Deed Document Number	201926577
Deed Book / Page	60198 / 284
Record Updated	Jun 08, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	123 CHERRY ST, GARDNER, MA 01440-2360
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072892-100
Date	Nov 26, 2025
Book Page	72892/100
Instrument	103913

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Dec 01, 2045

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	123 CHERRY ST, GARDNER, MA 01440-2360
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064574-130
Date	Mar 01, 2021
Book Page	64574/130
Instrument	28297

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 27, 2019
Property Address	123 CHERRY ST, GARDNER, MA 01440-2360
Document Number	60198-284
Book / Page	060198 / 000284
Instrument Date	Mar 27, 2019
Instrument	26577
Transaction Type	Transfer
Record Updated	Apr 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,035.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 CHERRY ST GARDNER MA 014402360, GARDNER, MA 01440-2360

Mortgage

Document Number	60198-289
Date	Mar 27, 2019
Book Page	060198/000289
Instrument	26578

Lender

Name	PRIME LNDG

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2049

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	$4,844.00 (+0.92%)	$337,300 (+5.34%) Land $72,800 Building $264,500	$405,555
2024	$4,800.00 (+2.89%)	$320,200 (+10.72%) Land $66,200 Building $254,000
2023	$4,665.00	$289,200 Land $65,200 Building $224,000

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
Nearby Flood Policies	2 in force

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 244 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Gateway Fiber Holdings	Fiber	2,000 / 2,000

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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