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  5. Branch St

3 Branch St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 3 Branch St, Gardner, MA 01440

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 1,805 sqft · built 1900
Lot Size0.114 acres (4,948 sqft)
Owner2 Individual Names on File
Last Sale$120,000 (Apr 2019)
Tax Bill$41 (2025)
Deeds & MortgagesMar 2020 Refinance
Apr 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNGARD M:M22 B:1 L:20

Property Details

APN / Parcel Number

Primary APNGARD M:M22 B:1 L:20
Alternative APN
  • M:K-24 B:0006 L:0020

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,805 sqft Living Area
Gross Area3,468 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area4,948 sqft (0.114 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Street Address3 BRANCH ST
CityGARDNER
StateMA
Zip01440-1810
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block1
Legal Lot Number20
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group3
Census Block3011
Census Tract707400

Owner

Source: Worcester County and Gardner City records · APN GARD M:M22 B:1 L:20

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 Record2 Individual Names on File
Mailing Address3 BRANCH ST, GARDNER, MA 01440-1810
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 25, 2020Deed of Trust, Mortgage · Stand-Alone Refinance
RESIDENTIAL MORTGAGE SERVICES
Apr 30, 2019Quit Claim Deed, Transfer · Stand-Alone First Mortgage
RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 30, 2019 · Amount on Record
Deed SaleApr 30, 2019 · Amount on Record
Prior SaleMar 31, 1987 · Amount on Record
Record UpdatedJun 08, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Property Address3 BRANCH ST, GARDNER, MA 01440-1810
Transaction TypeMortgage
Record UpdatedOct 27, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number062101-275
DateMar 25, 2020
Book Page62101/275
Instrument30856
Lender
NameRESIDENTIAL MORTGAGE SERVICES
TypeMortgage Company
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueApr 01, 2050

April 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateApr 30, 2019
Property Address3 BRANCH ST, GARDNER, MA 01440-1810
Document Number60341-390
Book / Page60341 / 390
Instrument DateApr 12, 2019
Instrument38333
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
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
Address3 BRANCH ST, GARDNER, MA 01440-1810

Mortgage

Document Number38334
DateApr 30, 2019
Instrument38334
Lender
NameRESIDENTIAL MORTGAGE SERVICES
TypeMortgage Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner 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.

YearTax BillAssessed ValueAssessed Market Value
2025$41.00 (-99.01%)$287,100 (+4.36%) Land $65,500 Building $221,600$384,085
2024$4,124.00 (+2.51%)$275,100 (+10.3%) Land $59,600 Building $215,500
2023$4,023.00$249,400 Land $58,700 Building $190,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 30, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 95% of the US · lower than 90% of Massachusetts
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 356 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemGARDNER WATER DEPARTMENT
serves 21,381 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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