130 Temple St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 130 Temple St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,302 sqft · built 1997
Lot Size	3.58 acres (156,268 sqft)
Owner	2 Individual Names on File
Last Sale	$660,000 (Jun 2025)
Tax Bill	$8,660 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Jun 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:T-22 B:0016A L:0009A`

Property Details

APN / Parcel Number

Primary APN	`M:T-22 B:0016A L:0009A`
Alternative APN	`GARD M:R22 B:15 L:9A`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,302 sqft Living Area
Gross Area	5,918 sqft
Basement Area	2,302 sqft
Unfinished Basement	2,302 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	156,268 sqft (3.58 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	130 TEMPLE ST
City	GARDNER
State	MA
Zip	01440-2355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	15
Legal Lot Number	9A
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3006
Census Tract	707500

Owner

130 Temple St is owned and occupied by two individuals who bought it in June 2025.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	130 TEMPLE ST, GARDNER, MA 01440-2355
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Deed of Trust, Mortgage · Line of Credit LEADER BANK NA
Jun 13, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage PRIMELENDING
Apr 28, 2023	Quit Claim Deed, Transfer Quitclaim
Dec 15, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2025 · Amount on File
Deed Sale	Jun 13, 2025 · Amount on File
Deed Book / Page	72117 / 318
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	130 TEMPLE ST, GARDNER, MA 01440-2355
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	072797-344
Date	Nov 7, 2025
Book Page	72797/344
Instrument	97428

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 13, 2025
Property Address	130 TEMPLE ST, GARDNER, MA 01440-2355
Document Number	072117-318
Book / Page	72117 / 318
Instrument Date	Jun 13, 2025
Instrument	47977
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Relationship	Tenants by the Entirety
Address	130 TEMPLE ST, GARDNER, MA 01440-2355
Investor	Possibly a Property Investor

Mortgage

Document Number	0000047978
Date	Jun 13, 2025
Instrument	47978

Lender

Name	PRIMELENDING

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 28, 2023
Property Address	130 TEMPLE ST, GARDNER, MA 01440-2355
Document Number	069076-393
Book / Page	69076 / 393
Instrument Date	Apr 23, 2023
Instrument	32773
Transaction Type	Transfer
Record Updated	May 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 TEMPLE ST, GARDNER, MA 01440-2355

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 15, 2022
Property Address	130 TEMPLE ST, GARDNER, MA 01440-2355
Document Number	0068608-20
Book / Page	68608 / 20
Instrument Date	Dec 11, 2022
Instrument	132249
Transaction Type	Transfer
Record Updated	Dec 30, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 TEMPLE ST, GARDNER, MA 01440-2355

Tax Assessment & Valuation

The 2026 property tax bill for 130 Temple St was $8,660, up 9.9% from the year before.

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	$8,660.00 (+9.93%)	$628,900 (+14.64%) Land $116,700 Building $512,200	$623,770
2025	$7,878.00 (-7.2%)	$548,600 (-3.13%) Land $106,800 Building $441,800
2024	$8,489.00 (+7.85%)	$566,300 (+16.05%) Land $98,200 Building $468,100
2023	$7,871.00	$488,000 Land $94,600 Building $393,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 130 Temple St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 130 Temple 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	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.

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