3 Princeton St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,450 sqft · built 1940
Lot Size	0.228 acres (9,952 sqft)
Owner	Individual Name on Record
Tax Bill	$4,130 (2026)
Deeds & Mortgages	Apr 2023 Transfer Mar 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`GARD M:H27 B:10 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:H27 B:10 L:2`
Alternative APN	`M:J-28 B:0030 L:0002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,450 sqft Living Area
Gross Area	2,664 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,952 sqft (0.228 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	3 PRINCETON ST
City	GARDNER
State	MA
Zip	01440-1831
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	10
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3000
Census Tract	707400

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	3 PRINCETON ST, GARDNER, MA 01440-1831
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2023	Quit Claim Deed, Transfer Quitclaim
Mar 6, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FIDELITY COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 14, 2023
Transfer Doc	069026-274
Record Updated	Oct 29, 2026

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 14, 2023
Property Address	3 PRINCETON ST, GARDNER, MA 01440-1831
Document Number	069026-274
Book / Page	69026 / 274
Instrument Date	Apr 14, 2023
Instrument	29010
Transaction Type	Transfer
Record Updated	Apr 28, 2023

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
Relationship	Tenants by the Entirety
Address	3 PRINCETON ST, GARDNER, MA 01440-1831

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	3 PRINCETON ST, GARDNER, MA 01440-1831
Transaction Type	Mortgage
Record Updated	Mar 24, 2023
Title Company	MISC COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068888-297
Date	Mar 6, 2023
Book Page	68888/297
Instrument	17963

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

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	$4,130.00 (+10,489.74%)	$299,900 (+7.99%) Land $56,500 Building $243,400	$312,916 (+0.54%)
2025	$39.00 (-99.02%)	$277,700 (+4.52%) Land $51,400 Building $226,300	$311,220
2024	$3,983.00 (+12.77%)	$265,700 (+21.32%) Land $46,700 Building $219,000
2023	$3,532.00	$219,000 Land $46,000 Building $173,000

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

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

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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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