Worcester County and Gardner City property record for 166 High St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,118 sqft · built 1900 |
| Lot Size | 0.207 acres (9,005 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (Jun 2026) |
| Tax Bill | $45 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:T-12 B:0019 L:0035 |
| Primary APN | M:T-12 B:0019 L:0035 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,118 sqft Living Area |
| Gross Area | 2,440 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,005 sqft (0.207 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 166 HIGH ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3610 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 15 |
| Legal Lot Number | 35 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 707100 |
Source: Worcester County and Gardner City records · APN M:T-12 B:0019 L:0035
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 | Individual Name on File |
|---|---|
| Mailing Address | 166 HIGH ST, GARDNER, MA 01440-3610 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Jun 01, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTY MORTGAGE INC |
| Jun 01, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage CROSSCOUNTY MORTGAGE INC |
| Aug 20, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FLAGSTAR BANK FSB |
| Jun 02, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage HIGH COTTON CAPITAL LLC |
| Dec 15, 2020 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Mar 01, 2017 | Quit Claim Deed, Transfer · FHA Mortgage PLAZA HOME MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 01, 2026 · Amount on Record |
| Deed Sale | Jun 01, 2026 · Amount on Record |
| Prior Sale | Aug 20, 2021 · Amount on Record |
| Deed Document Number | 202643835 |
| Deed Book / Page | 73658 / 145 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 01, 2026 |
| Property Address | 166 HIGH ST, GARDNER, MA 01440-3610 |
| Document Number | 073658-167 |
| Book / Page | 73658 / 167 |
| Instrument Date | Jun 01, 2026 |
| Instrument | 202643837 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 166 HIGH ST, GARDNER, MA 01440-3610 |
| Document Number | 0000043837, |
|---|---|
| Date | Jun 01, 2026 |
| Book Page | 73658/167 |
| Instrument | 202643837 |
| Name | CROSSCOUNTY MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 01, 2041 |
| Rate | 5.64% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 01, 2026 |
| Property Address | 166 HIGH ST, GARDNER, MA 01440-3610 |
| Document Number | 0000043835 |
| Book / Page | 73658 / 145 |
| Instrument Date | May 19, 2026 |
| Instrument | 202643835 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 166 HIGH ST, GARDNER, MA 01440-3610 |
| Date | Jun 01, 2026 |
|---|
| Name | CROSSCOUNTY MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Aug 20, 2021 |
| Property Address | 166 HIGH ST, GARDNER, MA 01440-3610 |
| Document Number | 65882-166 |
| Book / Page | 65882 / 166 |
| Instrument Date | Aug 20, 2021 |
| Instrument | 117326 |
| Transaction Type | Transfer |
| Record Updated | Sep 03, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 166 HIGH ST, GARDNER, MA 01440-3610 |
| Document Number | 117327 |
|---|---|
| Date | Aug 20, 2021 |
| Instrument | 117327 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 02, 2021 |
| Property Address | 166 HIGH ST, GARDNER, MA 01440-3610 |
| Document Number | 65296-267 |
| Book / Page | 65296 / 267 |
| Instrument Date | Jun 01, 2021 |
| Instrument | 75965 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2021 |
| 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 |
|---|---|
| Address | 177 HUNTINGTON AVE STE 1700, 1700, BOSTON, MA 02115-3165 |
| Investor | Possibly a Property Investor |
| Document Number | 75966 |
|---|---|
| Date | Jun 02, 2021 |
| Instrument | 75966 |
| Name | HIGH COTTON CAPITAL LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 166 HIGH ST, GARDNER, MA 01440-3610 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63988-26 |
|---|---|
| Date | Dec 15, 2020 |
| Book Page | 63988/26 |
| Instrument | 155875 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Jan 01, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Mar 01, 2017 |
| Property Address | 166 HIGH ST, GARDNER, MA 01440-3610 |
| Document Number | 56801-68 |
| Book / Page | 56801 / 68 |
| Instrument | 21631 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $26.62 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 568010072 |
|---|---|
| Date | Mar 01, 2017 |
| Instrument | 56801/0072 |
| Name | PLAZA HOME MTG |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2047 |
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 | $45.00 (-98.98%) | $318,500 (+7.71%) Land $66,600 Building $251,900 | $324,140 |
| 2024 | $4,433.00 (+3.09%) | $295,700 (+10.92%) Land $60,500 Building $235,200 | |
| 2023 | $4,300.00 | $266,600 Land $59,700 Building $206,900 |
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 AE, 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 138 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
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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