169 Prospect St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 169 Prospect St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,464 sqft · built 1950
Lot Size	0.296 acres (12,914 sqft)
Owner	Individual Name on File
Last Sale	$90,500 (Oct 2008)
Tax Bill	$4,923 (2026)
Deeds & Mortgages	Jul 2021 Refinance Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:13 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:13 L:2`
Alternative APN	`M:R-12 B:0027 L:0002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,464 sqft Living Area
Gross Area	3,420 sqft
Basement Area	1,140 sqft
Unfinished Basement	1,140 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,914 sqft (0.296 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	169 PROSPECT ST
City	GARDNER
State	MA
Zip	01440-3564
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	COMPLIED
Legal Block	13
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1036
Census Tract	707100

Owner

169 Prospect St is owned and occupied by an individual who bought it in October 2008.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	169 PROSPECT ST, GARDNER, MA 01440-3564
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Sep 25, 2017	Deed of Trust, Mortgage DIGITAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2008 · Amount on File
Deed Sale	Oct 31, 2008 · Amount on File
Prior Sale	Jun 13, 2008 · Amount on File
Deed Document Number	2008119671
Deed Book / Page	43472 / 183
Transfer Doc	42966-75
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	169 PROSPECT ST, GARDNER, MA 01440-3564
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065722-353
Date	Jul 29, 2021
Book Page	65722/353
Instrument	106043

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	169 PROSPECT ST, GARDNER, MA 01440-3564
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57782-56
Date	Sep 25, 2017
Book Page	57782/56
Instrument	105641

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 169 Prospect St was $4,923, up 10,374.5% from the year before.

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	$4,923.00 (+10,374.47%)	$357,500 (+8.14%) Land $77,400 Building $280,100	$371,168 (+6.78%)
2025	$47.00 (-99.01%)	$330,600 (+4.29%) Land $70,300 Building $260,300	$347,605
2024	$4,752.00 (+3.19%)	$317,000 (+11.03%) Land $63,900 Building $253,100
2023	$4,605.00	$285,500 Land $63,000 Building $222,500

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

Flood

FEMA maps place 169 Prospect St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, 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

Wildfire risk around 169 Prospect St is low, with a 0.01% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 (outdoors only) and 4G LTE

Nearby Properties on Prospect St

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