Worcester County and Gardner City property record for 24 Harvard St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,346 sqft · built 1880 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $295,000 (Dec 2021) |
| Tax Bill | $4,862 (2026) |
| Deeds & Mortgages | Jul 2023 Mortgage Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M17 B:4 L:19 |
| Primary APN | GARD M:M17 B:4 L:19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,346 sqft Living Area |
| Gross Area | 2,619 sqft |
| Basement Area | 772 sqft |
| Unfinished Basement | 772 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,500 sqft (0.172 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 24 HARVARD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 4 |
| Legal Lot Number | 19 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2015 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 24 HARVARD ST, GARDNER, MA 01440-2825 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Dec 27, 2021 | Quit Claim Deed, Transfer · FHA Mortgage HOMETOWN LENDERS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 27, 2021 · Amount on Record |
| Deed Sale | Dec 27, 2021 · Amount on Record |
| Prior Sale | Jun 21, 2016 · Amount on Record |
| Deed Book / Page | 66834 / 272 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 24 HARVARD ST, GARDNER, MA 01440-2825 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 069434-114 |
|---|---|
| Date | Jul 27, 2023 |
| Book Page | 69434/114 |
| Instrument | 60485 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Aug 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 27, 2021 |
| Property Address | 24 HARVARD ST, GARDNER, MA 01440-2825 |
| Document Number | 066834-272 |
| Book / Page | 66834 / 272 |
| Instrument Date | Dec 27, 2021 |
| Instrument | 181105 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 24 HARVARD ST, GARDNER, MA 01440-2825 |
| Document Number | 0000181106 |
|---|---|
| Date | Dec 27, 2021 |
| Instrument | 181106 |
| Name | HOMETOWN LENDERS |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $4,862.00 (+10,244.68%) | $353,100 (+7.85%) Land $73,800 Building $279,300 | $353,220 (+2.15%) |
| 2025 | $47.00 (-98.97%) | $327,400 (+7.84%) Land $67,100 Building $260,300 | $345,800 |
| 2024 | $4,551.00 (+2.2%) | $303,600 (+9.96%) Land $61,000 Building $242,600 | |
| 2023 | $4,453.00 | $276,100 Land $60,100 Building $216,000 |
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 | None beyond ember reach |
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 446 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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