Worcester County and Gardner City property record for 129 Harvard St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,632 sqft · built 2004 |
| Lot Size | 0.269 acres (11,709 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $262,400 (Apr 2005) |
| Tax Bill | $5,975 (2026) |
| Deeds & Mortgages | Jan 2022 Refinance Aug 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:19 L:8 |
| Primary APN | GARD M:M22 B:19 L:8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,632 sqft Living Area |
| Gross Area | 2,998 sqft |
| Basement Area | 696 sqft |
| Unfinished Basement | 696 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,709 sqft (0.269 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 129 HARVARD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | WEST GARDNER EXT |
| Legal Block | 19 |
| Legal Lot Number | 8 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 707300 |
Source: Worcester County and Gardner City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 129 HARVARD ST, GARDNER, MA 01440-2816 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 18, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU |
| Aug 19, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU |
| May 29, 2018 | Deed of Trust, Mortgage · Line of Credit FAMILY FED'L S&L |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 29, 2005 · Amount on Record |
| Deed Sale | Apr 29, 2005 · Amount on Record |
| Prior Sale | Aug 29, 2003 · Amount on Record |
| Deed Document Number | 200566526 |
| Deed Book / Page | 36216 / 30 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 129 HARVARD ST, GARDNER, MA 01440-2816 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 066955-239 |
|---|---|
| Date | Jan 18, 2022 |
| Book Page | 66955/239 |
| Instrument | 6278 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Feb 1, 2062 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 129 HARVARD ST, GARDNER, MA 01440-2816 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60900-272 |
|---|---|
| Date | Aug 19, 2019 |
| Book Page | 60900/272 |
| Instrument | 82916 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 129 HARVARD ST, GARDNER, MA 01440-2816 |
| Document Number | 58894-330 |
| Instrument Date | May 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2018 |
| Name | Verified Name |
|---|---|
| Address | 129 HARVARD ST GARDNER MA 014402816, GARDNER, MA 01440-2816 |
| Document Number | 58894-330 |
|---|---|
| Date | Jun 4, 2018 |
| Book Page | 058894/000330 |
| Instrument | 54008 |
| Name | FAMILY FED'L S&L |
|---|---|
| Type | Federal Savings Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $5,975.00 (+10,964.81%) | $433,900 (+14.09%) Land $65,100 Building $368,800 | $452,432 (+21.9%) |
| 2025 | $54.00 (-99.03%) | $380,300 (+2.01%) Land $59,100 Building $321,200 | $371,165 |
| 2024 | $5,588.00 (+6.24%) | $372,800 (+14.32%) Land $53,800 Building $319,000 | |
| 2023 | $5,260.00 | $326,100 Land $53,000 Building $273,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 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.
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.
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 446 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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