246 Baker St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 246 Baker St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,498 sqft · built 1948
Lot Size	0.169 acres (7,356 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Jun 2022)
Tax Bill	$4,243 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:M-21 B:0023 L:0032`

Property Details

APN / Parcel Number

Primary APN	`M:M-21 B:0023 L:0032`
Alternative APN	`GARD M:M22 B:18 L:32`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,498 sqft Living Area
Gross Area	2,568 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,356 sqft (0.169 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	246 BAKER ST
City	GARDNER
State	MA
Zip	01440-2844
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	18
Legal Lot Number	32
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2013
Census Tract	707300

Owner

246 Baker St is owned and occupied by two individuals who bought it in June 2022.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	246 BAKER ST, GARDNER, MA 01440-2844
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2022 · Amount on File
Deed Sale	Jun 30, 2022 · Amount on File
Prior Sale	Sep 4, 2007 · Amount on File
Deed Document Number	202271566
Deed Book / Page	67837 / 98
Record Updated	Oct 29, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 30, 2022
Property Address	246 BAKER ST, GARDNER, MA 01440-2844
Document Number	0067837-98
Book / Page	67837 / 98
Instrument Date	Jun 30, 2022
Instrument	71566
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

Amount	Amount on Record
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	246 BAKER ST, GARDNER, MA 01440-2844

Mortgage

Document Number	0000071567
Date	Jun 30, 2022
Instrument	71567

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 246 Baker St was $4,243, down 2.5% from the year before.

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
2026	$4,243.00 (-2.53%)	$308,100 (+1.65%) Land $73,700 Building $234,400	$362,819 (+0.9%)
2025	$4,353.00 (-0.41%)	$303,100 (+3.94%) Land $67,000 Building $236,100	$359,575
2024	$4,371.00 (+25.35%)	$291,600 (+34.88%) Land $60,900 Building $230,700
2023	$3,487.00	$216,200 Land $60,000 Building $156,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 246 Baker St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 246 Baker St is low, with a 0.01% annual chance of 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 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