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232 Baker St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 232 Baker St, Gardner, MA 01440

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,750 sqft · built 1922
Lot Size0.119 acres (5,179 sqft)
OwnerIndividual Name on File
Last Sale$163,900 (Apr 2019)
Tax Bill$3,758 (2025)
Deeds & MortgagesMay 2026 Mortgage
Apr 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNM:M-21 B:0022 L:0020

Property Details

APN / Parcel Number

Primary APNM:M-21 B:0022 L:0020
Alternative APN
  • GARD M:M22 B:18 L:20

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area1,750 sqft Living Area
Gross Area3,241 sqft

Exterior

Year BuiltBuilt 1922
Effective Year BuiltEffective 1922
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area5,179 sqft (0.119 acres)

Utilities, Heating & Cooling

Heating SystemSteam
Heating FuelOil

Location & Zoning

Street Address232 BAKER ST
CityGARDNER
StateMA
Zip01440-2842
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionRAYMOND E & PEARL E FOURNIER
Legal Block18
Legal Lot Number20
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group2
Census Block2012
Census Tract707300

Owner

Source: Worcester County and Gardner City records · APN M:M-21 B:0022 L:0020

Assessment roll updated April 14, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address232 BAKER ST, GARDNER, MA 01440-2842
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 15, 2026Deed of Trust, Mortgage · FHA Mortgage
NEWREZ LLC
Apr 30, 2019Quit Claim Deed, Transfer · Stand-Alone First Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 30, 2019 · Amount on Record
Deed SaleApr 30, 2019 · Amount on Record
Deed Document Number201938449
Deed Book / Page60343 / 208
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Recording DateMay 15, 2026
Property Address232 BAKER ST, GARDNER, MA 01440-2842
Document Number073584-362
Book / Page73584 / 362
Instrument DateMay 08, 2026
Instrument202638705
Transaction TypeMortgage
Record UpdatedJul 12, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address232 BAKER ST, GARDNER, MA 01440-2842

Mortgage

Document Number0000038705,
DateMay 15, 2026
Book Page73584/362
Instrument202638705
Lender
NameNEWREZ LLC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate6.37%
Max Rate-1%

April 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateApr 30, 2019
Property Address232 BAKER ST, GARDNER, MA 01440-2842
Document Number60343-208
Book / Page60343 / 208
Instrument DateApr 30, 2019
Instrument38449
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address232 BAKER ST, GARDNER, MA 01440-2842

Mortgage

Document Number38450
DateApr 30, 2019
Instrument38450
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,758.00 (+0.13%)$261,700 (+4.51%) Land $65,700 Building $196,000$264,480
2024$3,753.00 (+2.01%)$250,400 (+9.78%) Land $59,700 Building $190,700
2023$3,679.00$228,100 Land $58,800 Building $169,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277073002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force

Wildfire

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 356 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Gateway Fiber Holdings
Fiber		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemGARDNER WATER DEPARTMENT
serves 21,381 people
Water SourceSurface water
Last State InspectionOct 2024
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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