Worcester County and Gardner City property record for 226 Baker St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,036 sqft · built 1920 |
| Lot Size | 0.235 acres (10,228 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $97,000 (Dec 1985) |
| Tax Bill | $4,592 (2026) |
| Deeds & Mortgages | Apr 2026 Transfer Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:M-21 B:0021 L:0019 |
| Primary APN | M:M-21 B:0021 L:0019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,036 sqft Living Area |
| Gross Area | 3,922 sqft |
| Basement Area | 1,018 sqft |
| Unfinished Basement | 1,018 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,228 sqft (0.235 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 226 BAKER ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2842 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Block | 18 |
| Legal Lot Number | 19 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 707300 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 226 BAKER ST, GARDNER, MA 01440-2842 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 23, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Mar 13, 2026 | Deed of Trust, Mortgage WORKERS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 1985 · Amount on Record |
| Deed Sale | Dec 13, 1985 · Amount on Record |
| Deed Book / Page | 9117 / 202 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 23, 2026 |
| Property Address | 226 BAKER ST, GARDNER, MA 01440-2842 |
| Document Number | 073477-231 |
| Book / Page | 73477 / 231 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 202631044 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 226 BAKER ST, GARDNER, MA 01440-2842 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 226 BAKER ST, GARDNER, MA 01440-2842 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 073307-167 |
|---|---|
| Date | Mar 13, 2026 |
| Book Page | 73307/167 |
| Instrument | 19168 |
| Name | WORKERS FCU |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 241 Months |
| Due | Apr 1, 2046 |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,592.00 (+11,1%) | $333,500 (+14.49%) Land $75,600 Building $257,900 | $352,598 |
| 2025 | $41.00 (-98.99%) | $291,300 (+7.13%) Land $68,600 Building $222,700 | |
| 2024 | $4,076.00 (+1.72%) | $271,900 (+9.46%) Land $62,400 Building $209,500 | |
| 2023 | $4,007.00 | $248,400 Land $61,500 Building $186,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 356 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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