Worcester County and Gardner City property record for 34 Harvard St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,954 sqft · built 1948 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,179 (2026) |
| Deeds & Mortgages | Feb 2022 Mortgage Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:24 L:8 |
| Primary APN | GARD M:M22 B:24 L:8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,954 sqft Living Area |
| Gross Area | 3,070 sqft |
| Basement Area | 812 sqft |
| Unfinished Basement | 812 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,000 sqft (0.23 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 34 HARVARD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 24 |
| Legal Lot Number | 8 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 707300 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 34 HARVARD ST, GARDNER, MA 01440-2825 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 17, 2022 | Deed of Trust, Mortgage · FHA Mortgage EQUITY PRIME MTG |
| Jan 3, 2018 | Quit Claim Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2025 |
| Deed Sale | Aug 14, 2025 |
| Prior Sale | Jan 3, 2018 · Amount on Record |
| Deed Book / Page | 72396 / 264 |
| Prior Transfer Date | Aug 8, 2025 |
| Prior Transfer Doc | 072396-264 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 34 HARVARD ST, GARDNER, MA 01440-2825 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 067134-177 |
|---|---|
| Date | Feb 17, 2022 |
| Book Page | 67134/177 |
| Instrument | 19268 |
| Name | EQUITY PRIME MTG |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jan 3, 2018 |
| Property Address | 34 HARVARD ST, GARDNER, MA 01440-2825 |
| Document Number | 58278-54 |
| Book / Page | 58278 / 54 |
| Instrument | 708 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32.36 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 34 HARVARD ST, GARDNER, MA 01440-2825 |
| Document Number | 582780056 |
|---|---|
| Date | Jan 3, 2018 |
| Instrument | 58278/0056 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 3, 2048 |
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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,179.00 (+1.26%) | $303,500 (+5.6%) Land $75,400 Building $228,100 | $381,171 (-4.47%) |
| 2025 | $4,127.00 (+0.07%) | $287,400 (+4.47%) Land $68,500 Building $218,900 | $399,000 |
| 2024 | $4,124.00 (+2.71%) | $275,100 (+10.53%) Land $62,300 Building $212,800 | |
| 2023 | $4,015.00 | $248,900 Land $61,400 Building $187,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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