127 Temple St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 127 Temple St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,038 sqft · built 1951
Lot Size	0.413 acres (18,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,573 (2026)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:S-22 B:0055 L:0027`

Property Details

APN / Parcel Number

Primary APN	`M:S-22 B:0055 L:0027`
Alternative APN	`GARD M:R22 B:14 L:27`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,038 sqft Living Area
Gross Area	5,384 sqft
Basement Area	1,736 sqft
Unfinished Basement	1,736 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,000 sqft (0.413 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	127 TEMPLE ST
City	GARDNER
State	MA
Zip	01440-2354
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	14
Legal Lot Number	27
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3020
Census Tract	707500

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	2 Individual Names on Record
Mailing Address	127 TEMPLE ST, GARDNER, MA 01440-2354
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	127 TEMPLE ST, GARDNER, MA 01440-2354
Document Number	60834-203
Instrument Date	Jul 30, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	127 TEMPLE ST GARDNER MA 014402354, GARDNER, MA 01440-2354

Mortgage

Document Number	60834-203
Date	Aug 6, 2019
Book Page	060834/000203
Instrument	77679

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	144 Months
Due	Aug 5, 2031

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	$5,573.00 (-0.34%)	$404,700 (+3.93%) Land $88,800 Building $315,900	$428,784 (+6.7%)
2025	$5,592.00 (-3.35%)	$389,400 (+0.88%) Land $80,700 Building $308,700	$401,850
2024	$5,786.00 (+5.22%)	$386,000 (+13.23%) Land $73,400 Building $312,600
2023	$5,499.00	$340,900 Land $72,300 Building $268,600

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
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	None beyond ember reach

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 215 locations within half a mile, as of December 31, 2025

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

May also be available: Gateway Fiber, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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