Worcester County and Gardner City property record for 31 Harvard St, Gardner, MA 01440
| Property Type | Triplex |
|---|---|
| Details | 5 bd · 3 ba · 2,565 sqft · built 1926 |
| Lot Size | 0.133 acres (5,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $300,000 (Jun 2022) |
| Tax Bill | $52 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Jul 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:N-20 B:0035 L:0022 |
| Primary APN | M:N-20 B:0035 L:0022 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 11 Rooms |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 2,565 sqft Living Area |
| Gross Area | 5,145 sqft |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,800 sqft (0.133 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 31 HARVARD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-0019 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Block | 24 |
| Legal Lot Number | 22 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 707300 |
Source: Worcester County and Gardner City records, as of April 14, 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 | 52 BAYBERRY ST, PEPPERELL, MA 01463-1014 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage ST MARYS BANK |
| Jul 17, 2017 | Deed of Trust, Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2022 · Amount on Record |
| Deed Sale | Jun 30, 2022 · Amount on Record |
| Prior Sale | Dec 18, 1995 · Amount on Record |
| Deed Document Number | 202271634 |
| Deed Book / Page | 67838 / 50 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 30, 2022 |
| Property Address | 31 HARVARD ST, GARDNER, MA 01440-0019 |
| Document Number | 0067838-50 |
| Book / Page | 67838 / 50 |
| Instrument Date | Jun 30, 2022 |
| Instrument | 71634 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 52 BAYBERRY ST, PEPPERELL, MA 01463-1014 |
| Document Number | 0000071635 |
|---|---|
| Date | Jun 30, 2022 |
| Instrument | 71635 |
| Name | ST MARYS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Jul 1, 2029 |
| Max Rate At Change | 2.75% |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 31 HARVARD ST, GARDNER, MA 01440-0019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 57426-176 |
|---|---|
| Date | Jul 17, 2017 |
| Book Page | 57426/176 |
| Instrument | 75351 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jul 1, 2032 |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $52.00 (-98.77%) | $368,200 (+30.61%) Land $66,100 Building $302,100 |
| 2024 | $4,226.00 (+4.01%) | $281,900 (+11.91%) Land $60,100 Building $221,800 |
| 2023 | $4,063.00 | $251,900 Land $59,200 Building $192,700 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 Policies | 4 in force |
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 446 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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