165 High St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 165 High St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,977 sqft · built 1925
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$117,500 (Nov 2008)
Tax Bill	$3,871 (2026)
Deeds & Mortgages	Oct 2023 Refinance Mar 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:T-12 B:0052 L:0036`

Property Details

APN / Parcel Number

Primary APN	`M:T-12 B:0052 L:0036`
Alternative APN	`GARD M:R12 B:15 L:36`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,977 sqft Living Area
Gross Area	3,080 sqft
Basement Area	544 sqft
Unfinished Basement	544 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	165 HIGH ST
City	GARDNER
State	MA
Zip	01440-3609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	15
Legal Lot Number	36
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2050
Census Tract	707100

Owner

Source: Worcester County and Gardner City records, as of October 20, 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 Record
Mailing Address	165 HIGH ST, GARDNER, MA 01440-3609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance RCAP SOLUTIONS FINANCIAL SVCS CO
Mar 20, 2023	Deed, Transfer · Stand-Alone Refinance E MORTGAGE MANAGEMENT LLC
Jul 26, 2017	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2008 · Amount on Record
Deed Sale	Nov 25, 2008 · Amount on Record
Prior Sale	Nov 25, 2008 · Amount on Record
Deed Document Number	2008127653
Deed Book / Page	43542 / 322
Last Transfer Date	Mar 15, 2023
Transfer Doc	068931-218
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	165 HIGH ST, GARDNER, MA 01440-3609
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069733-321
Date	Oct 6, 2023
Book Page	69733/321
Instrument	83688

Lender

Name	RCAP SOLUTIONS FINANCIAL SVCS CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	601 Months
Due	Nov 1, 2073

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 20, 2023
Property Address	165 HIGH ST, GARDNER, MA 01440-3609
Document Number	068931-215
Book / Page	68931 / 215
Instrument Date	Mar 15, 2023
Instrument	21511
Transaction Type	Transfer
Record Updated	Apr 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	165 HIGH ST, GARDNER, MA 01440-3609

Mortgage

Document Number	068931-218
Date	Mar 20, 2023
Book Page	68931/218
Instrument	21512

Lender

Name	E MORTGAGE MANAGEMENT LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	165 HIGH ST, GARDNER, MA 01440-3609
Document Number	57505-314
Book / Page	057505 / 000314
Instrument Date	Jul 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57505-314
Date	Jul 31, 2017
Book Page	057505/000314
Instrument	82140

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%

Tax Assessment & Valuation

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	$3,871.00 (+10,362.16%)	$281,100 (+7.21%) Land $83,100 Building $198,000	$369,621 (+28.03%)
2025	$37.00 (-99.03%)	$262,200 (+2.74%) Land $75,500 Building $186,700	$288,705
2024	$3,825.00 (+6.52%)	$255,200 (+14.65%) Land $68,700 Building $186,500
2023	$3,591.00	$222,600 Land $67,700 Building $154,900

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

Flood

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
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

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

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	Direct burnable vegetation

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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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