Worcester County and Gardner City property record for 25 Harvard St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,571 sqft · built 1900 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $128,770 (Dec 2015) |
| Tax Bill | $4,663 (2026) |
| Deeds & Mortgages | May 2022 Refinance Jun 2019 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:24 L:4 |
| Primary APN | GARD M:M22 B:24 L:4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,571 sqft Living Area |
| Gross Area | 2,996 sqft |
| Basement Area | 844 sqft |
| Unfinished Basement | 844 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,000 sqft (0.344 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 25 HARVARD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 24 |
| Legal Lot Number | 4 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 707300 |
25 Harvard St is owned and occupied by an individual who bought it in December 2015.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 25 HARVARD ST, GARDNER, MA 01440-2824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 3, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP |
| Jun 28, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance DITECH FINANCIAL LLC |
| May 8, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance BM REAL ESTATE SERVICE INC |
| Jul 9, 2020 | Deed of Trust, Mortgage · Balloon Mortgage BAY STATE SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 4, 2015 · Amount on File |
| Deed Sale | Dec 4, 2015 · Amount on File |
| Prior Sale | Apr 10, 2015 · Amount on File |
| Deed Book / Page | 54655 / 193 |
| Transfer Doc | 054655-193 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 25 HARVARD ST, GARDNER, MA 01440-2824 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0067531-47 |
|---|---|
| Date | May 3, 2022 |
| Book Page | 67531/47 |
| Instrument | 48312 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 25 HARVARD ST, GARDNER, MA 01440-2824 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 060628-280 |
|---|---|
| Date | Jun 28, 2019 |
| Book Page | 60628/280 |
| Instrument | 61397 |
| Name | DITECH FINANCIAL LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 25 HARVARD ST, GARDNER, MA 01440-2824 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 062356-106 |
|---|---|
| Date | May 8, 2020 |
| Book Page | 62356/106 |
| Instrument | 46709 |
| Name | BM REAL ESTATE SERVICE INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 25 HARVARD ST, GARDNER, MA 01440-2824 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 062762-229 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | 62762/229 |
| Instrument | 73687 |
| Name | BAY STATE SAVINGS BANK |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2040 |
The 2026 property tax bill for 25 Harvard St was $4,663, up 10,497.7% from the year before.
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 | $4,663.00 (+10,497.73%) | $338,600 (+8.08%) Land $78,800 Building $259,800 | $350,675 (-1.22%) |
| 2025 | $44.00 (-99.01%) | $313,300 (+5.88%) Land $71,600 Building $241,700 | $355,015 |
| 2024 | $4,436.00 (+2.35%) | $295,900 (+10.12%) Land $65,100 Building $230,800 | |
| 2023 | $4,334.00 | $268,700 Land $64,200 Building $204,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 25 Harvard 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 risk around 25 Harvard 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 | 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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