34 Charles St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 34 Charles St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,636 sqft · built 1977
Lot Size	0.428 acres (18,662 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Sep 2024)
Tax Bill	$5,475 (2026)
Deeds & Mortgages	Jun 2023 Refinance Jan 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:9 L:19`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:9 L:19`
Alternative APN	`M:S-13 B:0002A L:0019`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,636 sqft Living Area
Gross Area	3,822 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,662 sqft (0.428 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	34 CHARLES ST
City	GARDNER
State	MA
Zip	01440-3510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	9
Legal Lot Number	19
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1039
Census Tract	707100

Owner

34 Charles St is owned and occupied by two individuals who bought it in September 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	34 CHARLES ST, GARDNER, MA 01440-3510
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 26, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance LEOMINSTER CU
Jan 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEOMINSTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2024 · Amount on File
Deed Sale	Sep 6, 2024 · Amount on File
Deed Document Number	202472468
Deed Book / Page	70993 / 30
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	34 CHARLES ST, GARDNER, MA 01440-3510
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069297-172
Date	Jun 26, 2023
Book Page	69297/172
Instrument	49931

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2043

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	34 CHARLES ST, GARDNER, MA 01440-3510
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61766-114
Date	Jan 21, 2020
Book Page	61766/114
Instrument	5956

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 34 Charles St was $5,475, up 10,038.9% from the year before.

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	$5,475.00 (+10,038.89%)	$397,600 (+3.87%) Land $89,200 Building $308,400	$437,143 (+10.85%)
2025	$54.00 (-99.06%)	$382,800 (+0.37%) Land $81,200 Building $301,600	$394,345
2024	$5,717.00 (+7.93%)	$381,400 (+16.14%) Land $73,800 Building $307,600
2023	$5,297.00	$328,400 Land $72,700 Building $255,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 34 Charles St in Zone X, an area of minimal flood risk.

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	2 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.

Wildfire

Wildfire risk around 34 Charles St is low, with a 0.01% annual chance of 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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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