Worcester County and Gardner City property record for 124 Princeton St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,234 sqft · built 1940 |
| Lot Size | 1.33 acres (57,935 sqft) |
| Owner | Individual Name on File |
| Last Sale | $259,900 (Dec 2022) |
| Tax Bill | $3,712 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Dec 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:J-25 B:0013 L:0001 |
| Primary APN | M:J-25 B:0013 L:0001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,234 sqft Living Area |
| Gross Area | 2,355 sqft |
| Basement Area | 504 sqft |
| Unfinished Basement | 504 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Rustic |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 57,935 sqft (1.33 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 124 PRINCETON ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1834 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 20 |
| Legal Lot Number | 24 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 707400 |
124 Princeton St is owned and occupied by an individual who bought it in December 2022.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 124 PRINCETON ST, GARDNER, MA 01440-1834 |
| 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.
| Date | Document |
|---|---|
| May 13, 2026 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Dec 9, 2022 | Quit Claim Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 8, 2020 | Quit Claim Deed, Transfer LNDG T QS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 9, 2022 · Amount on File |
| Deed Sale | Dec 9, 2022 · Amount on File |
| Prior Sale | May 8, 2020 · Amount on File |
| Deed Document Number | 2022130721 |
| Deed Book / Page | 68588 / 280 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | May 13, 2026 |
| Property Address | 124 PRINCETON ST, GARDNER, MA 01440-1834 |
| Document Number | 0073570-79 |
| Book / Page | 73570 / 79 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 202637588 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 124 PRINCETON ST, GARDNER, MA 01440-1834 |
| Investor | Possibly a Property Investor |
| Document Number | 0000037588, |
|---|---|
| Date | May 13, 2026 |
| Book Page | 73570/79 |
| Instrument | 202637588 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 9, 2022 |
| Property Address | 124 PRINCETON ST, GARDNER, MA 01440-1834 |
| Document Number | 068588-280 |
| Book / Page | 68588 / 280 |
| Instrument Date | Dec 9, 2022 |
| Instrument | 130721 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 124 PRINCETON ST, GARDNER, MA 01440-1834 |
| Document Number | 0000130722 |
|---|---|
| Date | Dec 9, 2022 |
| Instrument | 130722 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | May 8, 2020 |
| Property Address | 124 PRINCETON ST, GARDNER, MA 01440-1834 |
| Document Number | 62365-298 |
| Book / Page | 062365 / 000298 |
| Instrument Date | May 7, 2020 |
| Instrument | 47304 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $319.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 860 ROYALSTON RD PHILLIPSTON MA 013319440, PHILLIPSTON, MA 01331-9440 |
| Document Number | 62365-302 |
|---|---|
| Date | May 8, 2020 |
| Book Page | 062365/000302 |
| Instrument | 47305 |
| Name | LNDG T QS |
|---|
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 124 Princeton St was $3,712, up 9,932.4% 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 | $3,712.00 (+9,932.43%) | $269,600 (+4.01%) Land $71,600 Building $198,000 | $313,681 (+8.83%) |
| 2025 | $37.00 (-99.02%) | $259,200 (+3.14%) Land $64,900 Building $194,300 | $288,230 |
| 2024 | $3,767.00 (+30.62%) | $251,300 (+40.55%) Land $59,100 Building $192,200 | |
| 2023 | $2,884.00 | $178,800 Land $58,300 Building $120,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 124 Princeton St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| 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 |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 124 Princeton 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 | Direct burnable vegetation |
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 380 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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