19 High St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 19 High St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,648 sqft · built 1942
Lot Size	0.478 acres (20,800 sqft)
Owner	Individual Name on Record
Tax Bill	$54 (2025)
Deeds & Mortgages	Jul 2019 Refinance Jan 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:4 L:16`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:4 L:16`
Alternative APN	`M:S-13 B:0063 L:0018`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,648 sqft Living Area
Gross Area	2,920 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	20,800 sqft (0.478 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	19 HIGH ST
City	GARDNER
State	MA
Zip	01440-3513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	4
Legal Lot Number	16
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1033
Census Tract	707100

Owner

Source: Worcester County and Gardner City records, as of April 14, 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	19 HIGH ST, GARDNER, MA 01440-3513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION
Jan 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	19 HIGH ST, GARDNER, MA 01440-3513
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60789-70
Date	Jul 30, 2019
Book Page	60789/70
Instrument	74239

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2029

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	19 HIGH ST, GARDNER, MA 01440-3513
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61802-320
Date	Jan 28, 2020
Book Page	61802/320
Instrument	8769

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2030

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
2025	$54.00 (-99.01%)	$382,700 (+4.85%) Land $75,000 Building $307,700	$405,840
2024	$5,471.00 (+5.33%)	$365,000 (+13.35%) Land $68,200 Building $296,800
2023	$5,194.00	$322,000 Land $67,200 Building $254,800

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
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

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	Direct burnable vegetation

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 252 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on High St

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