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264 Baker St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 264 Baker St, Gardner, MA 01440

Property Summary

Property TypeSingle Family Home
Details2 bd · 1.5 ba · 725 sqft · built 1947
Lot Size0.172 acres (7,500 sqft)
Owner2 Individual Names on Record
Last Sale$265,000 (Sep 2024)
Tax Bill$2,612 (2025)
Deeds & MortgagesSep 2024 Sale & Mortgage
Jul 2023 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APNM:M-21 B:0026 L:0035

Property Details

APN / Parcel Number

Primary APNM:M-21 B:0026 L:0035
Alternative APN
  • GARD M:M22 B:18 L:35

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms4 Rooms
Stories1 Story
Building Area725 sqft Living Area
Gross Area1,539 sqft

Exterior

Year BuiltBuilt 1947
Effective Year BuiltEffective 1947
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area7,500 sqft (0.172 acres)

Utilities, Heating & Cooling

Heating SystemSteam
Heating FuelOil

Location & Zoning

Street Address264 BAKER ST
CityGARDNER
StateMA
Zip01440-2844
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block18
Legal Lot Number35
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group2
Census Block2013
Census Tract707300

Owner

Source: Worcester County and Gardner City records, as of May 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address264 BAKER ST, GARDNER, MA 01440-2844
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Sep 23, 2024Quit Claim Deed, Transfer · FHA Mortgage
TOTAL MORTGAGE SERVICES LLC
Jul 21, 2023Deed of Trust, Mortgage · Second Mortgage (Down Payment)
ATHOL SAVINGS BANK
Sep 1, 2021Quit Claim Deed, Transfer · Stand-Alone First Mortgage
PRIME LENDING INC
Aug 31, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 23, 2024 · Amount on Record
Deed SaleSep 23, 2024 · Amount on Record
Prior SaleSep 1, 2021 · Amount on Record
Deed Document Number202477595
Deed Book / Page71060 / 168
Prior Transfer DateAug 25, 2020
Prior Transfer Doc63154-298
Record UpdatedJun 8, 2026

September 2024: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateSep 23, 2024
Property Address264 BAKER ST, GARDNER, MA 01440-2844
Document Number071060-168
Book / Page71060 / 168
Instrument DateSep 23, 2024
Instrument77595
Transaction TypeTransfer
Record UpdatedOct 11, 2024

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address264 BAKER ST, GARDNER, MA 01440-2844

Mortgage

Document Number0000077596
DateSep 23, 2024
Instrument77596
Lender
NameTOTAL MORTGAGE SERVICES LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded

Mortgage

Document Number071060-187
DateSep 23, 2024
Book Page71060/187
Instrument77597
Lender
NameTOTAL MORTGAGE SERVICES LLC
TypeMortgage Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Term121 Months
DueOct 1, 2034

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Property Address264 BAKER ST, GARDNER, MA 01440-2844
Transaction TypeMortgage
Record UpdatedAug 4, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0069414-20
DateJul 21, 2023
Book Page69414/20
Instrument58874
Lender
NameATHOL SAVINGS BANK
TypeBank
Agreement
TypeSecond Mortgage (Down Payment)
AmountAmount Recorded
Term181 Months
DueAug 1, 2038

September 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateSep 1, 2021
Property Address264 BAKER ST, GARDNER, MA 01440-2844
Document Number65970-19
Book / Page65970 / 19
Instrument DateAug 31, 2021
Instrument123185
Transaction TypeTransfer
Record UpdatedSep 17, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address264 BAKER ST, GARDNER, MA 01440-2844

Mortgage

Document Number123186
DateSep 1, 2021
Instrument123186
Lender
NamePRIME LENDING INC
TypeMortgage Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateAug 31, 2020
Property Address264 BAKER ST, GARDNER, MA 01440-2844
Document Number63154-298
Book / Page063154 / 000298
Instrument DateAug 25, 2020
Instrument99367
Transaction TypeTransfer
Record UpdatedSep 15, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address195 S MAIN ST TEMPLETON MA 014681527, TEMPLETON, MA 01468-1527

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,612.00 (+1.91%)$181,900 (+6.37%) Land $67,100 Building $114,800$246,240
2024$2,563.00 (+6.3%)$171,000 (+14.38%) Land $61,000 Building $110,000
2023$2,411.00$149,500 Land $60,100 Building $89,400

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 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 RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemGARDNER WATER DEPARTMENT
serves 21,381 people · EPA ID MA2103000
Water SourceSurface water
Last State InspectionOct 2024
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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