Worcester County and Gardner City property record for 176 Prospect St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,253 sqft · built 1982 |
| Lot Size | 0.463 acres (20,177 sqft) |
| Owner | Individual Name on File |
| Last Sale | $8,100 (May 1982) |
| Tax Bill | $46 (2025) |
| Deeds & Mortgages | Oct 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R12 B:19 L:8 |
| Primary APN | GARD M:R12 B:19 L:8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,253 sqft Living Area |
| Gross Area | 2,766 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,177 sqft (0.463 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 176 PROSPECT ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3565 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 19 |
| Legal Lot Number | 8 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 707100 |
Source: Worcester County and Gardner City records · APN GARD M:R12 B:19 L:8
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 | 176 PROSPECT ST, GARDNER, MA 01440-3565 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 20, 1982 · Amount on Record |
| Deed Sale | May 20, 1982 · Amount on Record |
| Deed Book / Page | 7471 / 288 |
| Record Updated | Jun 08, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 20, 2017 |
| Property Address | 176 PROSPECT ST, GARDNER, MA 01440-3565 |
| Document Number | 57911-149 |
| Book / Page | 057911 / 000149 |
| Instrument Date | Oct 18, 2017 |
| Instrument | 116529 |
| Transaction Type | Transfer |
| Record Updated | Nov 07, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 176 PROSPECT ST GARDNER MA 014403565, GARDNER, MA 01440-3565 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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 | $46.00 (-99.02%) | $322,700 (+3.36%) Land $74,700 Building $248,000 | $323,095 |
| 2024 | $4,680.00 (+8.11%) | $312,200 (+16.32%) Land $67,900 Building $244,300 | |
| 2023 | $4,329.00 | $268,400 Land $66,900 Building $201,500 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277071002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 237 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G (outdoors only) and 4G LTE
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