Worcester County and Gardner City property record for 148 Harvard St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,580 sqft · built 1951 |
| Lot Size | 0.225 acres (9,782 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $265,000 (Dec 2021) |
| Tax Bill | $4,774 (2026) |
| Deeds & Mortgages | Feb 2026 Transfer Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:N-21 B:0015 L:0003 |
| Primary APN | M:N-21 B:0015 L:0003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,580 sqft Living Area |
| Gross Area | 3,174 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,782 sqft (0.225 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 148 HARVARD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 19 |
| Legal Lot Number | 20 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 707300 |
Source: Worcester County and Gardner City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 148 HARVARD ST, GARDNER, MA 01440-2817 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Feb 9, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Dec 14, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage SHAMROCK HOME LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2021 · Amount on Record |
| Deed Sale | Dec 14, 2021 · Amount on Record |
| Prior Sale | Jan 17, 2017 · Amount on Record |
| Deed Book / Page | 66741 / 281 |
| Last Transfer Date | Jan 16, 2026 |
| Transfer Doc | 073179-189 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Feb 9, 2026 |
| Property Address | 148 HARVARD ST, GARDNER, MA 01440-2817 |
| Document Number | 073179-189 |
| Book / Page | 73179 / 189 |
| Instrument Date | Jan 16, 2026 |
| Instrument | 10318 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 148 HARVARD ST, GARDNER, MA 01440-2817 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 14, 2021 |
| Property Address | 148 HARVARD ST, GARDNER, MA 01440-2817 |
| Document Number | 066741-281 |
| Book / Page | 66741 / 281 |
| Instrument Date | Dec 13, 2021 |
| Instrument | 174514 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2021 |
| 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 | 148 HARVARD ST, GARDNER, MA 01440-2817 |
| Document Number | 0000174515 |
|---|---|
| Date | Dec 14, 2021 |
| Instrument | 174515 |
| Name | SHAMROCK HOME LOANS |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $4,774.00 (+10,057.45%) | $346,700 (+3.83%) Land $71,500 Building $275,200 | $364,740 (+11.35%) |
| 2025 | $47.00 (-99.03%) | $333,900 (+3.31%) Land $65,000 Building $268,900 | $327,560 |
| 2024 | $4,845.00 (+6.86%) | $323,200 (+14.98%) Land $59,100 Building $264,100 | |
| 2023 | $4,534.00 | $281,100 Land $58,200 Building $222,900 |
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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