172 Prospect St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 172 Prospect St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,178 sqft · built 1930
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$146,500 (Jan 2018)
Tax Bill	$3,513 (2026)
Deeds & Mortgages	Jun 2019 Transfer Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:14 L:7`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:14 L:7`
Alternative APN	`M:S-11 B:0019 L:0007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,178 sqft Living Area
Gross Area	2,700 sqft
Basement Area	932 sqft
Unfinished Basement	932 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Bungalow
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	172 PROSPECT ST
City	GARDNER
State	MA
Zip	01440-3565
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	14
Legal Lot Number	7
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2054
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	Individual Name on Record
Mailing Address	172 PROSPECT ST, GARDNER, MA 01440-3565
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 29, 2018	Quit Claim Deed, Transfer SHAMROCK FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2018 · Amount on Record
Deed Sale	Jan 29, 2018 · Amount on Record
Prior Sale	Jun 18, 2004 · Amount on Record
Deed Book / Page	58375 / 189
Last Transfer Date	May 3, 2019
Transfer Doc	60501-285
Record Updated	Oct 29, 2026

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 4, 2019
Property Address	172 PROSPECT ST, GARDNER, MA 01440-3565
Document Number	60501-285
Book / Page	060501 / 000285
Instrument Date	May 3, 2019
Instrument	51013
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 PROSPECT ST GARDNER MA 014403565, GARDNER, MA 01440-3565

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 29, 2018
Property Address	172 PROSPECT ST, GARDNER, MA 01440-3565
Document Number	58375-189
Book / Page	58375 / 189
Instrument	9293
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26.23
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 PROSPECT ST, GARDNER, MA 01440-3565

Mortgage

Document Number	583750191
Date	Jan 29, 2018
Instrument	58375/0191

Lender

Name	SHAMROCK FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2048

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	$3,513.00 (+9,937.14%)	$255,100 (+2.66%) Land $72,200 Building $182,900	$298,538 (+4.65%)
2025	$35.00 (-99.01%)	$248,500 (+4.85%) Land $65,600 Building $182,900	$285,285
2024	$3,553.00	$237,000 Land $59,700 Building $177,300

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 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

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