289 Temple St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 289 Temple St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,824 sqft · built 1982
Lot Size	2.29 acres (100,075 sqft)
Owner	Individual Name on Record
Last Sale	$415,000 (Jul 2026)
Tax Bill	$6,579 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:25 L:5`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:25 L:5`
Alternative APN	`M:U-20 B:0041 L:0004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,824 sqft Living Area
Gross Area	4,044 sqft
Basement Area	2,254 sqft
Unfinished Basement	2,254 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	100,075 sqft (2.29 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	289 TEMPLE ST
City	GARDNER
State	MA
Zip	01440-2441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	25
Legal Lot Number	5
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, 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	289 TEMPLE ST, GARDNER, MA 01440-2441
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Quit Claim Deed, Transfer · Conventional Mortgage AMERICAN ACCEPTANCE MORTGAGE
Apr 25, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Dec 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND
Jun 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2026 · Amount on Record
Deed Sale	Jul 1, 2026 · Amount on Record
Prior Sale	Nov 23, 1998 · Amount on Record
Deed Document Number	202654585
Deed Book / Page	73809 / 322
Prior Transfer Date	Mar 25, 2026
Prior Transfer Doc	0000054585
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 1, 2026
Property Address	289 TEMPLE ST, GARDNER, MA 01440-2441
Document Number	0000054585
Book / Page	73809 / 322
Instrument Date	Mar 25, 2026
Instrument	202654585
Transaction Type	Transfer
Record Updated	Jul 22, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	289 TEMPLE ST, GARDNER, MA 01440-2441

Mortgage

Date	Jul 1, 2026

Lender

Name	AMERICAN ACCEPTANCE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.51%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	289 TEMPLE ST, GARDNER, MA 01440-2441
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070432-355
Date	Apr 25, 2024
Book Page	70432/355
Instrument	30067

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	289 TEMPLE ST, GARDNER, MA 01440-2441
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61672-118
Date	Dec 30, 2019
Book Page	61672/118
Instrument	142725

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	289 TEMPLE ST, GARDNER, MA 01440-2441
Document Number	57255-128
Book / Page	057255 / 000128
Instrument Date	Jun 8, 2017
Transaction Type	Mortgage
Record Updated	Jul 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57255-128
Date	Jun 14, 2017
Book Page	057255/000128
Instrument	60917

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 13, 2037

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,579.00 (+10,865%)	$477,800 (+13.38%) Land $107,900 Building $369,900	$448,825 (-1.94%)
2025	$60.00 (-99.06%)	$421,400 (-0.75%) Land $98,000 Building $323,400	$457,710
2024	$6,365.00 (+4.7%)	$424,600 (+12.66%) Land $89,400 Building $335,200
2023	$6,079.00	$376,900 Land $87,600 Building $289,300

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

Drinking Water

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

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, 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

Provider	Max 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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