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146 High St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 146 High St, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 936 sqft · built 1953
Lot Size0.22 acres (9,578 sqft)
Owner2 Individual Names on File
Last Sale$301,000 (May 2023)
Tax Bill$42 (2025)
Deeds & MortgagesJan 2022 Line of Credit
May 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNM:T-12 B:0017 L:0033

Property Details

APN / Parcel Number

Primary APNM:T-12 B:0017 L:0033
Alternative APN
  • GARD M:R12 B:15 L:33

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area936 sqft Living Area
Gross Area3,450 sqft

Exterior

Year BuiltBuilt 1953
Effective Year BuiltEffective 1953
Architectural StyleCape Cod
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area9,578 sqft (0.22 acres)

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil

Location & Zoning

Street Address146 HIGH ST
CityGARDNER
StateMA
Zip01440-3608
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block15
Legal Lot Number33
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group2
Census Block2035
Census Tract707100

Owner

Source: Worcester County and Gardner City records · APN M:T-12 B:0017 L:0033

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address146 HIGH ST, GARDNER, MA 01440-3608
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jan 07, 2022Deed of Trust, Mortgage · Line of Credit
CITIZENS BANK
May 12, 2023Quit Claim Deed, Transfer · Stand-Alone First Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 12, 2023 · Amount on Record
Deed SaleMay 12, 2023 · Amount on Record
Prior SaleJun 08, 2016 · Amount on Record
Deed Book / Page69123 / 233
Record UpdatedJun 08, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Property Address146 HIGH ST, GARDNER, MA 01440-3608
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number066905-141
DateJan 07, 2022
Book Page66905/141
Instrument2438
Lender
NameCITIZENS BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term289 Months
DueFeb 01, 2046
Interest
Rate TypeAdjustable Rate

May 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateMay 12, 2023
Property Address146 HIGH ST, GARDNER, MA 01440-3608
Document Number069123-233
Book / Page69123 / 233
Instrument DateMay 12, 2023
Instrument36467
Transaction TypeTransfer
Record UpdatedJan 24, 2024

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address146 HIGH ST, GARDNER, MA 01440-3608

Mortgage

Document Number0000036468
DateMay 12, 2023
Instrument36468
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$42.00 (-99%)$295,100 (+5.06%) Land $68,300 Building $226,800$331,360
2024$4,211.00 (+8.11%)$280,900 (+16.31%) Land $62,100 Building $218,800
2023$3,895.00$241,500 Land $61,200 Building $180,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277071002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 58% of Massachusetts
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 138 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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