139 Temple St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 139 Temple St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,274 sqft · built 1950
Lot Size	0.413 acres (18,000 sqft)
Owner	Individual Name on Record
Tax Bill	$4,519 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Apr 2024 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:T-22 B:0053 L:0008`

Property Details

APN / Parcel Number

Primary APN	`M:T-22 B:0053 L:0008`
Alternative APN	`GARD M:R22 B:14 L:15`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,274 sqft Living Area
Gross Area	2,690 sqft
Basement Area	1,256 sqft
Unfinished Basement	1,256 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,000 sqft (0.413 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	139 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	15
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	Individual Name on Record
Mailing Address	139 TEMPLE ST, GARDNER, MA 01440-2354
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2025	Deed of Trust, Mortgage · Line of Credit GFA FEDERAL CREDIT UNION
Apr 30, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	139 TEMPLE ST, GARDNER, MA 01440-2354
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072495-201
Date	Sep 5, 2025
Book Page	72495/201
Instrument	75680

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2045

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	139 TEMPLE ST, GARDNER, MA 01440-2354
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070448-279
Date	Apr 30, 2024
Book Page	70448/279
Instrument	31214

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2034

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	$4,519.00 (+0.8%)	$328,200 (+5.12%) Land $88,800 Building $239,400	$323,633 (-31.15%)
2025	$4,483.00 (+1.24%)	$312,200 (+5.69%) Land $80,700 Building $231,500	$470,060
2024	$4,428.00 (+7.68%)	$295,400 (+15.89%) Land $73,400 Building $222,000
2023	$4,112.00	$254,900 Land $72,300 Building $182,600

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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 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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