149 Temple St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 149 Temple St, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,193 sqft · built 1940
Lot Size	0.216 acres (9,425 sqft)
Owner	Individual Name on File
Last Sale	$202,000 (Mar 2018)
Tax Bill	$47 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Mar 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:T-22 B:0051A L:0006`

Property Details

APN / Parcel Number

Primary APN	`M:T-22 B:0051A L:0006`
Alternative APN	`GARD M:R22 B:14 L:12`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,193 sqft Living Area
Gross Area	2,229 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,425 sqft (0.216 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	149 TEMPLE ST
City	GARDNER
State	MA
Zip	01440-2354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	14
Legal Lot Number	12
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 · APN M:T-22 B:0051A L:0006

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 Record	Individual Name on File
Mailing Address	149 TEMPLE ST, GARDNER, MA 01440-2354
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Deed of Trust, Mortgage CITIZENS BANK
Mar 29, 2018	Quit Claim Deed, Transfer ACADEMY MORTGAGE CORP
Aug 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage KENNETH LINN

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 29, 2018 · Amount on Record
Deed Sale	Mar 29, 2018 · Amount on Record
Prior Sale	Jul 14, 2017 · Amount on Record
Deed Book / Page	58600 / 275
Transfer Doc	36231-167
Record Updated	Jun 08, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	149 TEMPLE ST, GARDNER, MA 01440-2354
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073226-204
Date	Feb 24, 2026
Book Page	73226/204
Instrument	13624

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	301 Months
Due	Mar 01, 2051

Interest

Rate Type	Adjustable Rate

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 29, 2018
Property Address	149 TEMPLE ST, GARDNER, MA 01440-2354
Document Number	58600-275
Book / Page	58600 / 275
Instrument	29211
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$26.31
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 TEMPLE ST, GARDNER, MA 01440-2354

Mortgage

Document Number	586000278
Date	Mar 29, 2018
Instrument	58600/0278

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2048

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	149 TEMPLE ST, GARDNER, MA 01440-2354
Document Number	57705-166
Book / Page	057705 / 000166
Instrument Date	Aug 24, 2017
Transaction Type	Mortgage
Record Updated	Sep 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	57705-166
Date	Sep 08, 2017
Book Page	057705/000166
Instrument	98984

Lender

Name	KENNETH LINN

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$47.00 (-98.99%)	$334,100 (+7.88%) Land $75,000 Building $259,100	$332,405
2024	$4,642.00 (+2.97%)	$309,700 (+10.81%) Land $68,200 Building $241,500
2023	$4,508.00	$279,500 Land $67,200 Building $212,300

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 250277075003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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 215 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250

May also be available at this address: Verizon, T-Mobile USA, Gateway Fiber Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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