162 Pearl St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 162 Pearl St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,220 sqft · built 1800
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Jun 2022)
Tax Bill	$6,017 (2026)
Deeds & Mortgages	Jan 2021 Refinance Jun 2022 Sale & Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:S-26 B:0012A L:0024`

Property Details

APN / Parcel Number

Primary APN	`M:S-26 B:0012A L:0024`
Alternative APN	`GARD M:R27 B:19 L:24`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,220 sqft Living Area
Gross Area	5,584 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1800
Effective Year Built	Effective 1800
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,996 sqft (1.01 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	162 PEARL ST
City	GARDNER
State	MA
Zip	01440-2357
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	19
Legal Lot Number	24
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1031
Census Tract	707500

Historic Designation

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.

Owner

162 Pearl St is owned and occupied by an individual who bought it in June 2022.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	162 PEARL ST, GARDNER, MA 01440-2357
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CALIBER HOME LOANS INC
Jun 23, 2022	Quit Claim Deed, Transfer · Stand-Alone Refinance PRIME LENDING INC
Aug 20, 2018	Deed of Trust, Mortgage · VA Mortgage BBMC MORTGAGE LLC
Mar 12, 2020	Deed of Trust, Mortgage · VA Mortgage BRAZOS NATIONAL BANK
May 7, 2019	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2022 · Amount on File
Deed Sale	Jun 23, 2022 · Amount on File
Prior Sale	May 23, 2013 · Amount on File
Deed Book / Page	67797 / 223
Prior Transfer Date	Jun 20, 2022
Prior Transfer Doc	067797-223
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	162 PEARL ST, GARDNER, MA 01440-2357
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064315-353
Date	Jan 26, 2021
Book Page	64315/353
Instrument	11588

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 23, 2022
Property Address	162 PEARL ST, GARDNER, MA 01440-2357
Document Number	067797-223
Book / Page	67797 / 223
Instrument Date	Jun 20, 2022
Instrument	68628
Transaction Type	Transfer
Record Updated	Aug 26, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 PEARL ST, GARDNER, MA 01440-2357

Mortgage

Document Number	067797-227
Date	Jun 23, 2022
Book Page	67797/227
Instrument	68629

Lender

Name	PRIME LENDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	162 PEARL ST, GARDNER, MA 01440-2357
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59279-216
Date	Aug 20, 2018
Book Page	59279/216
Instrument	86792

Lender

Name	BBMC MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	162 PEARL ST, GARDNER, MA 01440-2357
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62031-381
Date	Mar 12, 2020
Book Page	62031/381
Instrument	26034

Lender

Name	BRAZOS NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	162 PEARL ST, GARDNER, MA 01440-2357
Document Number	60398-95
Instrument Date	May 7, 2019
Transaction Type	Mortgage
Record Updated	May 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 PEARL ST GARDNER MA 014402357, GARDNER, MA 01440-2357

Mortgage

Document Number	60398-95
Date	May 13, 2019
Book Page	060398/000095
Instrument	42789

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 12, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 162 Pearl St was $6,017, up 10,84% from the year before.

Source: Worcester County and Gardner City assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,017.00 (+10,84%)	$437,000 (+13.18%) Land $93,100 Building $343,900	$501,936 (+6.67%)
2025	$55.00 (-99.06%)	$386,100 (-0.92%) Land $84,600 Building $301,500	$470,535
2024	$5,842.00 (+4.98%)	$389,700 (+12.96%) Land $77,100 Building $312,600
2023	$5,565.00	$345,000 Land $76,000 Building $269,000

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

Flood

FEMA maps place 162 Pearl St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 162 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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