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275 Temple St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 275 Temple St, Gardner, MA 01440

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,626 sqft · built 1925
Lot Size1.54 acres (67,405 sqft)
OwnerTrust Name on File
Last Sale$130,000 (Sep 2011)
Tax Bill$4,584 (2026)
Deeds & MortgagesMar 2022 Line of Credit
Jul 2020 Transfer
Flood ZoneZone X (minimal risk)
APNM:T-20 B:0042 L:0021

Property Details

APN / Parcel Number

Primary APNM:T-20 B:0042 L:0021
Alternative APN
  • GARD M:R22 B:25 L:21

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area1,626 sqft Living Area
Gross Area3,337 sqft
Basement Area1,000 sqft
Unfinished Basement1,000 sqft

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1925
Architectural StyleConventional
Exterior MaterialWood Siding
Roof TypeGable
Roof MaterialAsphalt
Lot Area67,405 sqft (1.54 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Street Address275 TEMPLE ST
CityGARDNER
StateMA
Zip01440-2441
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal Block25
Legal Lot Number21
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group3
Census Block3022
Census Tract707500

Owner

275 Temple St is owner-occupied and held in a trust since July 2020.

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

Owner of RecordTrust Name on File
Mailing Address275 TEMPLE ST, GARDNER, MA 01440-2441
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust

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

Deeds, Mortgages & Sale History

DateDocument
Mar 4, 2022Deed of Trust, Mortgage · Line of Credit
FIDELITY COOPERATIVE BANK
Jul 16, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 20, 2011 · Amount on File
Deed SaleSep 20, 2011 · Amount on File
Deed Document Number20119
Deed Book / Page47850 / 32
Last Transfer DateJul 3, 2020
Transfer Doc62814-51
Record UpdatedOct 29, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Property Address275 TEMPLE ST, GARDNER, MA 01440-2441
Transaction TypeMortgage
Record UpdatedMar 18, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number067215-117
DateMar 4, 2022
Book Page67215/117
Instrument25067
Lender
NameFIDELITY COOPERATIVE BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount on Record
Term241 Months
DueApr 1, 2042
Interest
Rate TypeAdjustable Rate

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateJul 16, 2020
Property Address275 TEMPLE ST, GARDNER, MA 01440-2441
Document Number62814-51
Book / Page062814 / 000051
Instrument DateJul 3, 2020
Instrument76910
Transaction TypeTransfer
Record UpdatedAug 4, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address275 TEMPLE ST GARDNER MA 014402441, GARDNER, MA 01440-2441

Tax Assessment & Valuation

The 2026 property tax bill for 275 Temple St was $4,584, up 10,318.2% from the year before.

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
2026$4,584.00 (+10,318.18%)$332,900 (+8.26%) Land $106,500 Building $226,400$385,075 (+40.01%)
2025$44.00 (-98.99%)$307,500 (+5.49%) Land $96,600 Building $210,900$275,025
2024$4,370.00 (+1.2%)$291,500 (+8.89%) Land $88,000 Building $203,500
2023$4,318.00$267,700 Land $86,500 Building $181,200

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

Flood

FEMA maps place 275 Temple 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 275 Temple 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 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 128 locations within half a mile, as of December 31, 2025

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

May also be available: Gateway Fiber.

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