129 Pine St, #131, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 129 Pine St, #131, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 1,796 sqft · built 1910
Lot Size	0.123 acres (5,360 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Feb 2025)
Tax Bill	$3,441 (2025)
Deeds & Mortgages	Feb 2023 Refinance Oct 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:6 L:64`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:6 L:64`
Alternative APN	`M:P-23 B:0066 L:0013`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,796 sqft Living Area
Gross Area	3,316 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,360 sqft (0.123 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	129 PINE ST, 131
City	GARDNER
State	MA
Zip	01440-2777
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	6
Legal Lot Number	64
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3005
Census Tract	707300

Owner

Source: Worcester County and Gardner City records, as of April 15, 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	129 PINE ST, 131, GARDNER, MA 01440-2777
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FAMILY FIRST FUNDING LLC
Oct 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance EQUITY TRUST COMPANY
Oct 25, 2021	Quit Claim Deed, Transfer · Commercial Mortgage LENDINGONE LLC
Oct 25, 2021	Quit Claim Deed, Transfer
Jun 3, 2021	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2025 · Amount on Record
Deed Sale	Feb 10, 2025 · Amount on Record
Prior Sale	Oct 25, 2021 · Amount on Record
Deed Document Number	202510803
Deed Book / Page	71623 / 182
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	129-131 PINE ST, GARDNER, MA 01440
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068831-299
Date	Feb 15, 2023
Book Page	68831/299
Instrument	13423

Lender

Name	FAMILY FIRST FUNDING LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	129-131 PINE ST, GARDNER, MA 01440
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068406-40
Date	Oct 27, 2022
Book Page	68406/40
Instrument	116103

Lender

Name	EQUITY TRUST COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	13 Months
Due	Nov 1, 2023

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 25, 2021
Property Address	129-131 PINE ST, GARDNER, MA 01440
Document Number	66371-273
Book / Page	66371 / 273
Instrument Date	Oct 25, 2021
Instrument	149728
Transaction Type	Transfer
Record Updated	Nov 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 TAFT DR, WINCHESTER, MA 01890-3748

Mortgage

Document Number	149729
Date	Oct 25, 2021
Instrument	149729

Lender

Name	LENDINGONE LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 25, 2021
Property Address	129-131 PINE ST, GARDNER, MA 01440
Document Number	66371-269
Book / Page	66371 / 269
Instrument Date	Oct 25, 2021
Instrument	149727
Transaction Type	Transfer
Record Updated	Nov 12, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 MAIN ST UNIT 1343, 1343, LEOMINSTER, MA 01453-7879

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 3, 2021
Property Address	129-131 PINE ST, GARDNER, MA 01440
Document Number	65308-331
Book / Page	65308 / 331
Instrument Date	Jun 1, 2021
Instrument	76846
Transaction Type	Transfer
Record Updated	Jun 18, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 MASS AVE, WOBURN, MA 01801-1317

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
2025	$3,441.00 (-2.36%)	$239,600 (+1.91%) Land $65,800 Building $173,800
2024	$3,524.00 (+5.76%)	$235,100 (+13.79%) Land $59,800 Building $175,300
2023	$3,332.00	$206,600 Land $58,900 Building $147,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 388 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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