263 Temple St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 263 Temple St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,244 sqft · built 1950
Lot Size	1.8 acres (78,731 sqft)
Owner	2 Individual Names on File
Last Sale	$112,500 (Apr 1994)
Tax Bill	$43 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:T-20 B:0044 L:0024`

Property Details

APN / Parcel Number

Primary APN	`M:T-20 B:0044 L:0024`
Alternative APN	`GARD M:R22 B:25 L:24`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,244 sqft Living Area
Gross Area	2,661 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	78,731 sqft (1.8 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	263 TEMPLE ST
City	GARDNER
State	MA
Zip	01440-2441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	25
Legal Lot Number	24
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3022
Census Tract	707500

Owner

Source: Worcester County and Gardner City records · APN M:T-20 B:0044 L:0024

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	263 TEMPLE ST, GARDNER, MA 01440-2441
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 21, 1994 · Amount on Record
Deed Sale	Apr 21, 1994 · Amount on Record
Deed Book / Page	16224 / 286
Record Updated	Jun 08, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	263 TEMPLE ST, GARDNER, MA 01440-2441
Transaction Type	Mortgage
Record Updated	Jul 07, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069285-153
Date	Jun 22, 2023
Book Page	69285/153
Instrument	48991

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jul 01, 2063

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$43.00 (-99.02%)	$306,000 (+5.05%) Land $97,900 Building $208,100	$408,120
2024	$4,367.00 (+6.54%)	$291,300 (+14.64%) Land $89,300 Building $202,000
2023	$4,099.00	$254,100 Land $87,500 Building $166,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Gateway Fiber Holdings.

Based on FCC filings for 128 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	GARDNER WATER DEPARTMENT serves 21,381 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.