Worcester County and Gardner City property record for 164 Conant St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 720 sqft · built 1954 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Nov 2025) |
| Tax Bill | $3,511 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Aug 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R17 B:6 L:27 |
| Primary APN | GARD M:R17 B:6 L:27 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 720 sqft Living Area |
| Gross Area | 1,740 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,227 sqft (0.12 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 164 CONANT ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 6 |
| Legal Lot Number | 27 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 707100 |
Source: Worcester County and Gardner City records · APN GARD M:R17 B:6 L:27
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 164 CONANT ST, GARDNER, MA 01440-3118 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 21, 2025 | Fiduciary Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC |
| Aug 15, 2022 | Quit Claim Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 21, 2025 · Amount on Record |
| Deed Sale | Nov 21, 2025 · Amount on Record |
| Prior Sale | Aug 15, 2022 · Amount on Record |
| Deed Document Number | 2025102176 |
| Deed Book / Page | 72867 / 74 |
| Record Updated | Sep 20, 2026 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Nov 21, 2025 |
| Property Address | 164 CONANT ST, GARDNER, MA 01440-3118 |
| Document Number | 0072867-74 |
| Book / Page | 72867 / 74 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 102176 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 164 CONANT ST, GARDNER, MA 01440-3118 |
| Document Number | 0000102177 |
|---|---|
| Date | Nov 21, 2025 |
| Instrument | 102177 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Number | 072867-100 |
|---|---|
| Date | Nov 21, 2025 |
| Book Page | 72867/100 |
| Instrument | 102178 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Aug 15, 2022 |
| Property Address | 164 CONANT ST, GARDNER, MA 01440-3118 |
| Document Number | 068070-273 |
| Book / Page | 68070 / 273 |
| Instrument Date | Aug 10, 2022 |
| Instrument | 89819 |
| Transaction Type | Transfer |
| Record Updated | Sep 02, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 164 CONANT ST, GARDNER, MA 01440-3118 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
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 | $3,511.00 (+4.62%) | $244,500 (+9.2%) Land $65,700 Building $178,800 | $257,450 |
| 2024 | $3,356.00 (+8.43%) | $223,900 (+16.68%) Land $59,800 Building $164,100 | |
| 2023 | $3,095.00 | $191,900 Land $58,900 Building $133,000 |
Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 178 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARDNER WATER DEPARTMENT serves 21,381 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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