170 Temple St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 170 Temple St, Gardner, MA 01440 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1.5 Baths
Year Built	Built 1895
Square Footage	1,723 sqft Living Area
Lot Size	16,637 sqft (0.382 acres)
Occupancy	Owner Occupied
Last Sale	$365,000 (2021)
Tax Bill	$59.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:15 L:11A`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	7 Rooms
Building Area	1,723 sqft Living Area
Gross Area	3,148 sqft Gross Area
Stories	2 Stories

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Conventional Style
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gable Roof Construction
Roof Material	Slate Roof
Lot Area	16,637 sqft (0.382 acres)

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	170 TEMPLE ST
City	GARDNER
State	MA
Zip	01440-2482
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	15
Legal Lot Number	11A
Jurisdiction	GARDNER MA
Minor Civil Division	GARDNER
Census Blockgroup	3
Census Block	3000
Census Tract	707500

Owner

Source: Worcester County and Gardner City records · APN GARD M:R22 B:15 L:11A

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 Record	Individual Name on File
Mailing Address	170 TEMPLE ST, GARDNER, MA 01440-2482
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 28, 2021 · Amount on Record
Deed Sale	Jun 28, 2021 · Amount on Record
Prior Sale	Nov 29, 1993 · Amount on Record
Deed Doc Number	202189661
Deed Book / Page	65490 / 18
Transfer Doc	52750-274
Record Refreshed	Jun 08, 2026

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

Document Type	Quit Claim Arm's Length for NE States
Jurisdiction	GARDNER MA
Recording Date	Jun 28, 2021
Property Address	170 TEMPLE ST, GARDNER, MA 01440-2482
Document Number	0065490-18
Book / Page	65490 / 18
Instrument Date	Jun 28, 2021
Instrument	89661
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	170 TEMPLE ST, GARDNER, MA 01440-2482

Mortgage

Document Number	0000089662
Date	Jun 28, 2021
Instrument	89662

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

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	$59.00 (-98.98%)	$413,000 (+6.8%) Land $79,800 Building $333,200	$488,205
2024	$5,797.00 (+2.75%)	$386,700 (+10.55%) Land $72,600 Building $314,100
2023	$5,642.00	$349,800 Land $71,600 Building $278,200

Flood & Wildfire

170 Temple St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Worcester County (25027C), updated November 30, 2025

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

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