Worcester County and Gardner City property record for 157 Temple St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,289 sqft · built 1880 |
| Lot Size | 0.42 acres (18,308 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,288 (2026) |
| Deeds & Mortgages | Jan 2020 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | M:T-21 B:0051 L:0015 |
| Primary APN | M:T-21 B:0051 L:0015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,289 sqft Living Area |
| Gross Area | 5,106 sqft |
| Basement Area | 630 sqft |
| Unfinished Basement | 630 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,308 sqft (0.42 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 157 TEMPLE ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2481 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | BRIAN S & KATHLEEN F MCCARTHY |
| Legal Block | 20 |
| Legal Lot Number | 15 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 707500 |
157 Temple St is owned and occupied by two individuals who acquired it in August 2024.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 157 TEMPLE ST, GARDNER, MA 01440-2481 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 | Jan 6, 2020 |
| Deed Sale | Jan 6, 2020 |
| Prior Sale | Jan 28, 2011 |
| Deed Document Number | 20201329 |
| Deed Book / Page | 61707 / 163 |
| Last Transfer Date | Aug 8, 2024 |
| Transfer Doc | 070869-209 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jan 6, 2020 |
| Property Address | 157 TEMPLE ST, GARDNER, MA 01440-2481 |
| Document Number | 61707-163 |
| Book / Page | 061707 / 000163 |
| Instrument Date | Dec 20, 2019 |
| Instrument | 1329 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 21, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 95 PLEASANT ST GARDNER MA 014402630, GARDNER, MA 01440-2630 |
The 2026 property tax bill for 157 Temple St was $4,288, up 10,358.5% 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 | $4,288.00 (+10,358.54%) | $311,400 (+8.46%) Land $89,000 Building $222,400 | $310,022 (-35.38%) |
| 2025 | $41.00 (-99.01%) | $287,100 (+4.25%) Land $80,900 Building $206,200 | $479,750 |
| 2024 | $4,128.00 | $275,400 Land $73,600 Building $201,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 157 Temple 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 157 Temple St is low, with less than 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 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.
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 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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