29 Prospect St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 29 Prospect St, Gardner, MA 01440 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	1.5 Baths
Year Built	Built 1905
Square Footage	2,554 sqft Living Area
Lot Size	26,008 sqft (0.597 acres)
Occupancy	Owner Occupied
Last Sale	$181,000 (2010)
Tax Bill	$48.00 (2025)

Owner

Source: Worcester County and Gardner City records · APN GARD M:R12 B:4 L:3

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	Individual Name on File
Mailing Address	29 PROSPECT ST, BALDWINVILLE, MA 01436-1336
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 01, 2010 · Amount on Record
Deed Sale	Sep 01, 2010 · Amount on Record
Prior Sale	Mar 16, 2000 · Amount on Record
Deed Doc Number	201094316
Deed Book / Page	46249 / 164
Record Refreshed	Jun 08, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	29 PROSPECT ST, GARDNER, MA 01440-3535
Transaction Type	Mortgage
Record Updated	Mar 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067236-169
Date	Mar 09, 2022
Book Page	67236/169
Instrument	26657

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 01, 2037

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	$48.00 (-99.02%)	$337,400 (+2.87%) Land $77,900 Building $259,500	$405,555
2024	$4,917.00 (+2.12%)	$328,000 (+9.88%) Land $70,800 Building $257,200
2023	$4,815.00	$298,500 Land $69,800 Building $228,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:4 L:3`
Alternative APN	`M:S-14 B:0043 L:0003`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	8 Rooms
Building Area	2,554 sqft Living Area
Gross Area	5,286 sqft Gross Area
Stories	2 Stories

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Conventional Style
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gable Roof Construction
Roof Material	Slate Roof
Lot Area	26,008 sqft (0.597 acres)

Utilities and HVAC

Heating System	Steam Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	29 PROSPECT ST
City	GARDNER
State	MA
Zip	01440-3535
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	4
Legal Lot Number	3
Jurisdiction	GARDNER MA
Minor Civil Division	GARDNER
Census Blockgroup	1
Census Block	1032
Census Tract	707100