3 Gardner Ter, Worcester, MA 01610 Property Records

Worcester County and Worcester City property record for 3 Gardner Ter, Worcester, MA 01610

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 3,075 sqft · built 1890
Lot Size	0.08 acres (3,496 sqft)
Owner	Company Name on File
Last Sale	$250,000 (Nov 2019)
Tax Bill	$6,101 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7-001-00034`

Property Details

APN / Parcel Number

Primary APN	`7-001-00034`
Alternative APN	`WORC M:07 B:001 L:00034`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,075 sqft Living Area
Gross Area	4,554 sqft
1st Floor Area	1,025 sqft
Basement Area	1,025 sqft
Unfinished Basement	1,025 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	3,496 sqft (0.08 acres)
Garage Type	Basement

Location & Zoning

Account Number	7-001-00034
Street Address	3 GARDNER TER
City	WORCESTER
State	MA
Zip	01610-1759
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	RG-5
Legal Block	1
Legal Lot Number	34
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2004
Census Tract	731300

Owner

3 Gardner Ter, a triplex, is owned by a company that acquired it in April 2021.

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

Owner of Record	Company Name on File
Mailing Address	21 OVERBROOK TER, NATICK, MA 01760-1419
Owner Type	Company
Vesting	Company

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

Date	Document
Jul 17, 2026	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPITAL LLC
Apr 16, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance BAY STATE SAVINGS BANK
Nov 15, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BAY STATE SAVINGS BANK
Feb 9, 2018	Quit Claim Deed, Transfer BAY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2019 · Amount on File
Deed Sale	Nov 15, 2019 · Amount on File
Prior Sale	Feb 9, 2018 · Amount on File
Deed Document Number	2019122741
Deed Book / Page	61423 / 33
Last Transfer Date	Apr 16, 2021
Transfer Doc	64953-68
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jul 17, 2026
Property Address	3 GARDNER TER, WORCESTER, MA 01610-1759
Document Number	0000060499
Book / Page	73893 / 238
Instrument Date	Jul 15, 2026
Instrument	202660499
Transaction Type	Transfer
Record Updated	Aug 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 OVERBROOK TER, NATICK, MA 01760-1419

Mortgage

Date	Jul 17, 2026

Lender

Name	CAPITAL LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate	6.48%
Max Rate	-1%

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Apr 16, 2021
Property Address	3 GARDNER TER, WORCESTER, MA 01610-1759
Document Number	0064953-68
Book / Page	64953 / 68
Instrument Date	Apr 16, 2021
Instrument	52841
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 GROVE ST # 2, 2, CLINTON, MA 01510-4237

Mortgage

Document Number	0064953-71
Date	Apr 16, 2021
Book Page	64953/71
Instrument	52842

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Nov 15, 2019
Property Address	3 GARDNER TER, WORCESTER, MA 01610-1759
Document Number	61423-33
Book / Page	61423 / 33
Instrument Date	Nov 15, 2019
Instrument	122741
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	METROPOLITAN TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	165 GROVE ST # 2, 2, CLINTON, MA 01510-4237

Mortgage

Document Number	122742
Date	Nov 15, 2019
Instrument	122742

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Feb 9, 2018
Property Address	3 GARDNER TER, WORCESTER, MA 01610-1759
Document Number	58421-98
Book / Page	58421 / 98
Instrument	13252
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26.66
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 GARDNER TER, WORCESTER, MA 01610-1759

Mortgage

Document Number	584210101
Date	Feb 9, 2018
Instrument	58421/0101

Lender

Name	BAY STATE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	180 Months
Due	Feb 9, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 3 Gardner Ter was $6,101, up 3.4% from the year before.

Source: Worcester County and Worcester City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$6,101.00 (+3.35%)	$459,400 (+2.66%) Land $42,700 Building $416,700
2025	$5,903.00	$447,500 Land $42,200 Building $405,300
2023	$5,248.00	$366,000 Land $33,300 Building $332,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 3 Gardner Ter in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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 Claims	2 (1979–1982)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 1982 · rainfall accumulation

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

The area around 3 Gardner Ter has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 550 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

Nearby Properties on Gardner Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures