Worcester County and Gardner City property record for 134 Baker St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,998 sqft · built 1922 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $415,000 (May 2026) |
| Tax Bill | $4,873 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:N-22 B:0016 L:0016 |
| Primary APN | M:N-22 B:0016 L:0016 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,998 sqft Living Area |
| Gross Area | 4,706 sqft |
| Basement Area | 999 sqft |
| Unfinished Basement | 999 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,500 sqft (0.172 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 134 BAKER ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2838 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Block | 19 |
| Legal Lot Number | 34 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 134 BAKER ST, GARDNER, MA 01440-2838 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Person |
| Date | Document |
|---|---|
| Jul 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage TOTAL MORTGAGE SERVICES |
| May 4, 2026 | Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 4, 2026 · Amount on Record |
| Deed Sale | May 4, 2026 · Amount on Record |
| Prior Sale | Apr 4, 2000 · Amount on Record |
| Deed Document Number | 202634783 |
| Deed Book / Page | 73531 / 393 |
| Prior Transfer Date | Apr 27, 2026 |
| Prior Transfer Doc | 073531-393 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 9, 2026 |
| Property Address | 134 BAKER ST, GARDNER, MA 01440-2838 |
| Document Number | 0000057197 |
| Book / Page | 73845 / 330 |
| Instrument Date | May 4, 2026 |
| Instrument | 202657197 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 134 BAKER ST, GARDNER, MA 01440-2838 |
| Document Number | 0000057197, |
|---|---|
| Date | Jul 9, 2026 |
| Book Page | 73845/330 |
| Instrument | 202657197 |
| Name | TOTAL MORTGAGE SERVICES |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 1, 2036 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | May 4, 2026 |
| Property Address | 134 BAKER ST, GARDNER, MA 01440-2838 |
| Document Number | 073531-393 |
| Book / Page | 73531 / 393 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 2026.34783 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Amount | Amount Recorded |
|---|---|
| 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 | 134 BAKER ST, GARDNER, MA 01440-2838 |
| Date | May 4, 2026 |
|---|
| Name | TOTAL MORTGAGE SERVICES |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
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 | $4,873.00 (+11,232.56%) | $353,900 (+16.03%) Land $73,800 Building $280,100 | $401,767 |
| 2025 | $43.00 (-98.98%) | $305,000 (+7.93%) Land $67,100 Building $237,900 | |
| 2024 | $4,236.00 (+2.62%) | $282,600 (+10.43%) Land $61,000 Building $221,600 | |
| 2023 | $4,128.00 | $255,900 Land $60,100 Building $195,800 |
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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