168 Temple St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 168 Temple St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,236 sqft · built 1971
Lot Size	0.394 acres (17,150 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Jan 2022)
Tax Bill	$4,930 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:T-21 B:0019 L:0016`

Property Details

APN / Parcel Number

Primary APN	`M:T-21 B:0019 L:0016`
Alternative APN	`GARD M:R22 B:20 L:16`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,236 sqft Living Area
Gross Area	2,702 sqft
Basement Area	750 sqft
Unfinished Basement	750 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Raised Ranch
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,150 sqft (0.394 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	168 TEMPLE ST
City	GARDNER
State	MA
Zip	01440-2482
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	20
Legal Lot Number	16
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3000
Census Tract	707500

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	168 TEMPLE ST, GARDNER, MA 01440-2482
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2022	Quit Claim Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 2, 2017	Personal Representative Deed, Transfer · FHA Mortgage CRESCENT MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2022 · Amount on Record
Deed Sale	Jan 21, 2022 · Amount on Record
Prior Sale	Oct 2, 2017 · Amount on Record
Deed Document Number	20228412
Deed Book / Page	66986 / 350
Record Updated	Oct 29, 2026

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 21, 2022
Property Address	168 TEMPLE ST, GARDNER, MA 01440-2482
Document Number	066986-350
Book / Page	66986 / 350
Instrument Date	Jan 21, 2022
Instrument	8412
Transaction Type	Transfer
Record Updated	Feb 4, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	168 TEMPLE ST, GARDNER, MA 01440-2482

Mortgage

Document Number	0000008413
Date	Jan 21, 2022
Instrument	8413

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2017: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 2, 2017
Property Address	168 TEMPLE ST, GARDNER, MA 01440-2482
Document Number	57827-368
Book / Page	57827 / 368
Instrument	109232
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34.98
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	168 TEMPLE ST, GARDNER, MA 01440-2482

Mortgage

Document Number	578270372
Date	Oct 2, 2017
Instrument	57827/0372

Lender

Name	CRESCENT MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2047

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	$4,930.00 (+10,389.36%)	$358,000 (+7.19%) Land $88,200 Building $269,800	$391,182 (-9.24%)
2025	$47.00 (-98.98%)	$334,000 (+8.16%) Land $80,100 Building $253,900	$431,015
2024	$4,629.00 (+0.74%)	$308,800 (+8.39%) Land $72,900 Building $235,900
2023	$4,595.00	$284,900 Land $71,900 Building $213,000

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
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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 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 215 locations within half a mile, as of December 31, 2025

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

May also be available: Gateway Fiber, T-Mobile, Verizon.

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