123 High St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 123 High St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,501 sqft · built 1890
Lot Size	0.48 acres (20,900 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Sep 2017)
Tax Bill	$4,773 (2026)
Deeds & Mortgages	Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:15 L:6`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:15 L:6`
Alternative APN	`M:T-12 B:0056 L:0006`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,501 sqft Living Area
Gross Area	3,241 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Historical
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,900 sqft (0.48 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	123 HIGH ST
City	GARDNER
State	MA
Zip	01440-3607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	15
Legal Lot Number	6
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2053
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	Individual Name on Record
Mailing Address	123 HIGH ST, GARDNER, MA 01440-3607
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2017 · Amount on Record
Deed Sale	Sep 29, 2017 · Amount on Record
Deed Book / Page	57819 / 59
Last Transfer Date	Apr 22, 2025
Transfer Doc	0071905-48
Record Updated	Oct 29, 2026

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 29, 2017
Property Address	123 HIGH ST, GARDNER, MA 01440-3607
Document Number	57819-59
Book / Page	57819 / 59
Instrument	108548
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35.72
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 HIGH ST, GARDNER, MA 01440-3607

Mortgage

Document Number	578190062
Date	Sep 29, 2017
Instrument	57819/0062

Lender

Name	SANTANDER BANK NA

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2047

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	$4,773.00 (-0.69%)	$346,600 (+3.56%) Land $82,500 Building $264,100	$368,428 (+9.71%)
2025	$4,806.00 (-5.76%)	$334,700 (-1.62%) Land $75,100 Building $259,600	$335,825
2024	$5,100.00 (+25.52%)	$340,200 (+35.05%) Land $68,200 Building $272,000
2023	$4,063.00	$251,900 Land $67,200 Building $184,700

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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