29 Branch St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 29 Branch St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,056 sqft · built 1920
Lot Size	0.159 acres (6,925 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Oct 2023)
Tax Bill	$4,285 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M22 B:1 L:3`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M22 B:1 L:3`
Alternative APN	`M:K-24 B:0002 L:0003`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,056 sqft Living Area
Gross Area	3,659 sqft
Basement Area	1,028 sqft
Unfinished Basement	1,028 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,925 sqft (0.159 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	29 BRANCH ST
City	GARDNER
State	MA
Zip	01440-1854
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	1
Legal Lot Number	3
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3011
Census Tract	707400

Owner

29 Branch St, a duplex, is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	29 BRANCH ST, GARDNER, MA 01440-1854
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2023 · Amount on File
Deed Sale	Oct 16, 2023 · Amount on File
Prior Sale	Dec 28, 2005 · Amount on File
Deed Document Number	202385880
Deed Book / Page	69761 / 203
Prior Transfer Date	Oct 13, 2023
Prior Transfer Doc	069761-203
Record Updated	Oct 29, 2026

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 16, 2023
Property Address	29 BRANCH ST, GARDNER, MA 01440-1854
Document Number	069761-203
Book / Page	69761 / 203
Instrument Date	Oct 13, 2023
Instrument	85880
Transaction Type	Transfer
Record Updated	Nov 3, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 BRANCH ST, GARDNER, MA 01440-1854

Mortgage

Document Number	0000085882
Date	Oct 16, 2023
Instrument	85882

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 29 Branch St was $4,285, up 11,481.1% from the year before.

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	$4,285.00 (+11,481.08%)	$311,200 (+18.19%) Land $74,100 Building $237,100	$331,616
2025	$37.00 (-99.01%)	$263,300 (+5.32%) Land $66,700 Building $196,600
2024	$3,748.00 (+2.68%)	$250,000 (+10.47%) Land $60,700 Building $189,300
2023	$3,650.00	$226,300 Land $59,800 Building $166,500

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

Flood

FEMA maps place 29 Branch St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 29 Branch St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 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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