24 Temple St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 24 Temple St, Gardner, MA 01440

Property Summary

Property Type	Apartments (5+ Units)
Details	5 bd · 4 ba · 4,300 sqft · built 1900
Lot Size	0.164 acres (7,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Jun 2022)
Tax Bill	$7,439 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Mar 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:R-22 B:0003 L:0037`

Property Details

APN / Parcel Number

Primary APN	`M:R-22 B:0003 L:0037`
Alternative APN	`GARD M:R22 B:13 L:37`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	16 Rooms
Units	4 Units
Stories	3 Stories
Building Area	4,300 sqft Living Area
Gross Area	7,042 sqft
Basement Area	1,760 sqft
Unfinished Basement	1,760 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Other
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	7,125 sqft (0.164 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	24 TEMPLE ST
City	GARDNER
State	MA
Zip	01440-2722
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	R1
Legal Block	13
Legal Lot Number	37
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3016
Census Tract	707500

Owner

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	17 PRESCOTT ST, PEPPERELL, MA 01463-1165
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage DRAPER AND KRAMER MORTGAGE CORP.
Mar 6, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2022 · Amount on Record
Deed Sale	Jun 1, 2022 · Amount on Record
Prior Sale	Mar 6, 2017
Prior Transfer Date	May 31, 2022
Prior Transfer Doc	067677-156
Record Updated	Oct 29, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 1, 2022
Property Address	24 TEMPLE ST, GARDNER, MA 01440-2722
Document Number	067677-156
Book / Page	67677 / 156
Instrument Date	May 31, 2022
Instrument	59292
Transaction Type	Transfer
Record Updated	Jun 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	17 PRESCOTT ST, PEPPERELL, MA 01463-1165

Mortgage

Document Number	0000059293
Date	Jun 1, 2022
Instrument	59293

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 6, 2017
Property Address	24 TEMPLE ST, GARDNER, MA 01440-2722
Document Number	56816-188
Book / Page	056816 / 000188
Instrument Date	Mar 6, 2017
Instrument	23065
Transaction Type	Transfer
Record Updated	Mar 28, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	50 ASH ST GARDNER MA 014402110, GARDNER, MA 01440-2110

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
2026	$7,439.00 (+12,508.47%)	$540,200 (+30.39%) Land $80,900 Building $459,300
2025	$59.00 (-98.88%)	$414,300 (+18.3%) Land $73,500 Building $340,800
2024	$5,249.00 (+0.59%)	$350,200 (+8.25%) Land $66,900 Building $283,300
2023	$5,218.00	$323,500 Land $65,900 Building $257,600

Assessed value is set for property tax purposes and is not a market price estimate.

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
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	None beyond ember reach

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 388 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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