Worcester County and Gardner City property record for 256 Baker St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,785 sqft · built 1928 |
| Lot Size | 0.344 acres (15,004 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $199,900 (Nov 2017) |
| Tax Bill | $4,623 (2026) |
| Deeds & Mortgages | May 2023 Refinance Mar 2024 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:M-21 B:0024 L:0033 |
| Primary APN | M:M-21 B:0024 L:0033 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,785 sqft Living Area |
| Gross Area | 3,700 sqft |
| Basement Area | 1,200 sqft |
| Unfinished Basement | 1,200 sqft |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,004 sqft (0.344 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 256 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 | 33 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2013 |
| 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 | 256 BAKER ST, GARDNER, MA 01440-2844 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 30, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance MAGNOLIA BANK |
| Mar 13, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance MAGNOLIA BANK |
| Oct 21, 2025 | Deed of Trust, Mortgage MAGNOLIA BANK |
| Jul 8, 2020 | Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Nov 17, 2017 | Quit Claim Deed, Transfer · VA Mortgage MORTGAGE NTWK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 17, 2017 · Amount on Record |
| Deed Sale | Nov 17, 2017 · Amount on Record |
| Deed Book / Page | 58060 / 260 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 256 BAKER ST, GARDNER, MA 01440-2844 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0069190-41 |
|---|---|
| Date | May 30, 2023 |
| Book Page | 69190/41 |
| Instrument | 41505 |
| Name | MAGNOLIA BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 256 BAKER ST, GARDNER, MA 01440-2844 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 070280-316 |
|---|---|
| Date | Mar 13, 2024 |
| Book Page | 70280/316 |
| Instrument | 18109 |
| Name | MAGNOLIA BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 256 BAKER ST, GARDNER, MA 01440-2844 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 072702-280 |
|---|---|
| Date | Oct 21, 2025 |
| Book Page | 72702/280 |
| Instrument | 90727 |
| Name | MAGNOLIA BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 256 BAKER ST, GARDNER, MA 01440-2844 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62749-371 |
|---|---|
| Date | Jul 8, 2020 |
| Book Page | 62749/371 |
| Instrument | 72841 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Nov 17, 2017 |
| Property Address | 256 BAKER ST, GARDNER, MA 01440-2844 |
| Document Number | 58060-260 |
| Book / Page | 058060 / 000260 |
| Instrument Date | Nov 17, 2017 |
| Instrument | 129369 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2017 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $911.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 256 BAKER ST GARDNER MA 014402844, GARDNER, MA 01440-2844 |
| Document Number | 58060-263 |
|---|---|
| Date | Nov 17, 2017 |
| Book Page | 058060/000263 |
| Instrument | 129370 |
| Name | MORTGAGE NTWK |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 16, 2047 |
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 | $4,623.00 (-0.3%) | $335,700 (+3.96%) Land $78,800 Building $256,900 | $393,103 (+31.45%) |
| 2025 | $4,637.00 (-1.7%) | $322,900 (+2.61%) Land $71,600 Building $251,300 | $299,060 |
| 2024 | $4,717.00 (+7.2%) | $314,700 (+15.36%) Land $65,100 Building $249,600 | |
| 2023 | $4,400.00 | $272,800 Land $64,200 Building $208,600 |
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 | Direct burnable vegetation |
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 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 |
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