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165 Baker St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 165 Baker St, Gardner, MA 01440 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms3 Baths
Year BuiltBuilt 1920
Square Footage1,876 sqft Living Area
Lot Size5,364 sqft (0.123 acres)
OccupancyOwner Occupied
Last Sale$435,000 (2025)
Tax Bill$1,445.00 (2025)

Owner

Source: Worcester County and Gardner City records · APN M:M-22 B:0036 L:0011

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 RecordIndividual Name on File
Mailing Address165 BAKER ST, GARDNER, MA 01440-2839
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 13, 2025Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage
UNITED WHOLESALE MORTGAGE
Jun 15, 2022Quit Claim Arm's Length for NE States, Transfer · Unknown
HENRY PEPPE
Oct 27, 2021Quit Claim Arm's Length for NE States, Transfer · Commercial Mortgage
CUTTER HILL CAPITAL
Mar 12, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Nov 02, 2017Foreclosure

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 13, 2025 · Amount on Record
Deed SaleJun 13, 2025 · Amount on Record
Prior SaleJun 15, 2022 · Amount on Record
Deed Book / Page72119 / 110
Record RefreshedJun 08, 2026

June 2025: Quit Claim Arm's Length for NE States, Transfer

Document TypeQuit Claim Arm's Length for NE States
JurisdictionGARDNER MA
Recording DateJun 13, 2025
Property Address165 BAKER ST, GARDNER, MA 01440-2839
Document Number072119-110
Book / Page72119 / 110
Instrument DateJun 13, 2025
Instrument48064
Transaction TypeTransfer
Record UpdatedNov 19, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address165 BAKER ST, GARDNER, MA 01440-2839

Mortgage

Document Number0000048065
DateJun 13, 2025
Instrument48065
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeStand Alone First Mortgage
AmountAmount Recorded

June 2022: Quit Claim Arm's Length for NE States, Transfer

Document TypeQuit Claim Arm's Length for NE States
JurisdictionGARDNER MA
Recording DateJun 15, 2022
Property Address165 BAKER ST, GARDNER, MA 01440-2839
Document Number0067750-28
Book / Page67750 / 28
Instrument DateJun 13, 2022
Instrument64945
Transaction TypeTransfer
Record UpdatedNov 11, 2025

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address117 MARSHALL ST # UT1, UT1, FITCHBURG, MA 01420-2488

Mortgage

Document Number0000064946
DateJun 15, 2022
Instrument64946
Lender
NameHENRY PEPPE
Agreement
TypeUnknown
AmountAmount Recorded

October 2021: Quit Claim Arm's Length for NE States, Transfer

Document TypeQuit Claim Arm's Length for NE States
JurisdictionGARDNER MA
Recording DateOct 27, 2021
Property Address165 BAKER ST, GARDNER, MA 01440-2839
Document Number066392-392
Book / Page66392 / 392
Instrument DateOct 26, 2021
Instrument151024
Transaction TypeTransfer
Record UpdatedJul 11, 2023

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address670 MECHANIC ST, LEOMINSTER, MA 01453-4402

Mortgage

Document Number0000151025
DateOct 27, 2021
Instrument151025
Lender
NameCUTTER HILL CAPITAL
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

March 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateMar 12, 2020
Property Address165 BAKER ST, GARDNER, MA 01440-2839
Document Number62034-363
Book / Page062034 / 000363
Instrument DateMar 12, 2020
Instrument26249
Transaction TypeTransfer
Record UpdatedMar 31, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$182.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address79 BARTHEL AVE GARDNER MA 014402503, GARDNER, MA 01440-2503

November 2017: Foreclosure

Document TypeForeclosure
JurisdictionGARDNER MA
Recording DateNov 02, 2017
Property Address165 BAKER ST, GARDNER, MA 01440-2839
Document Number57983-308
Book / Page057983 / 000308
Instrument DateJul 26, 2017
Instrument122599
Transaction TypeForeclosure
Record UpdatedNov 21, 2017

Transaction

AmountAmount Recorded
Tax$311.00
Amount AccuracyConfirmed
Additional
  • Lis Pendens

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipAssociation
AddressPO BOX 650043 DALLAS TX 752650043, DALLAS, TX 75265-0043
InvestorPossibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$1,445.00 (+3.07%)$100,600 (+7.59%) Land $65,800 Building $34,800$395,770
2024$1,402.00 (-1.68%)$93,500 (+5.77%) Land $59,800 Building $33,700
2023$1,426.00$88,400 Land $58,900 Building $29,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

Property Details

APN / Parcel Number

Primary APNM:M-22 B:0036 L:0011
Alternative APN
  • GARD M:M22 B:13 L:11

Interior

Bedrooms5 Beds
Full Baths3 Baths
Total Rooms10 Rooms
Building Area1,876 sqft Living Area
Gross Area3,162 sqft Gross Area
Stories2 Stories

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleConventional Style
Exterior MaterialWood Siding Exterior
Roof ConstructionFlat Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area5,364 sqft (0.123 acres)

Utilities and HVAC

Heating SystemHot Water Heating

Location & Zoning

Street Address165 BAKER ST
CityGARDNER
StateMA
Zip01440-2839
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Block13
Legal Lot Number11
JurisdictionGARDNER MA
Minor Civil DivisionGARDNER
Census Blockgroup2
Census Block2009
Census Tract707300

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