Worcester County and Gardner City property record for 145 Pearl St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,548 sqft · built 1900 |
| Lot Size | 0.209 acres (9,090 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $80,000 (Nov 1991) |
| Tax Bill | $4,342 (2026) |
| Deeds & Mortgages | Jan 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:S-26 B:0100 L:0008 |
| Primary APN | M:S-26 B:0100 L:0008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,548 sqft Living Area |
| Gross Area | 3,666 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,090 sqft (0.209 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 145 PEARL ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2356 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 24 |
| Legal Lot Number | 51 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 707500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Gardner Uptown Historic District listed 1999 · 88 contributing resources · NRIS 99000660 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
145 Pearl St is owned and occupied by two individuals who bought it in November 1991.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 145 PEARL ST, GARDNER, MA 01440-2356 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 27, 1991 · Amount on File |
| Deed Sale | Nov 27, 1991 · Amount on File |
| Deed Book / Page | 13792 / 223 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 145 PEARL ST, GARDNER, MA 01440-2356 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 64337-282 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 64337/282 |
| Instrument | 12950 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2026 property tax bill for 145 Pearl St was $4,342, up 10,490.2% from the year before.
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 | $4,342.00 (+10,490.24%) | $315,300 (+8.35%) Land $74,800 Building $240,500 | $328,576 (+3.77%) |
| 2025 | $41.00 (-99.01%) | $291,000 (+5.24%) Land $68,000 Building $223,000 | $316,635 |
| 2024 | $4,145.00 (+3.32%) | $276,500 (+11.18%) Land $61,800 Building $214,700 | |
| 2023 | $4,012.00 | $248,700 Land $60,900 Building $187,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 145 Pearl 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 risk around 145 Pearl 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.
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 244 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 |
May also be available: Verizon.
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