Worcester County and Gardner City property record for 37 Baker St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 553 sqft · built 1900 |
| Lot Size | 0.087 acres (3,785 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $135,000 (Apr 2022) |
| Tax Bill | $23 (2025) |
| Deeds & Mortgages | Nov 2022 Refinance Apr 2022 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:O-22 B:0048 L:0022 |
| Primary APN | M:O-22 B:0048 L:0022 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 553 sqft Living Area |
| Gross Area | 1,470 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,785 sqft (0.087 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 37 BAKER ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 15 |
| Legal Lot Number | 22 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1007 |
| 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 | 6 BLUEBIRD RD, WINCHENDON, MA 01475-1897 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 23, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance GUILD MORTGAGE CO |
| Apr 21, 2022 | Quit Claim Deed, Transfer |
| Mar 8, 2022 | Quit Claim Deed, Transfer · Commercial Mortgage RESIDENTIAL CAPITAL |
| Feb 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 2022 · Amount on Record |
| Deed Sale | Apr 21, 2022 · Amount on Record |
| Prior Sale | Mar 8, 2022 · Amount on Record |
| Deed Document Number | 202243942 |
| Deed Book / Page | 67472 / 386 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 37 BAKER ST, GARDNER, MA 01440-2909 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 068526-113 |
|---|---|
| Date | Nov 23, 2022 |
| Book Page | 68526/113 |
| Instrument | 125586 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 21, 2022 |
| Property Address | 37 BAKER ST, GARDNER, MA 01440-2909 |
| Document Number | 067472-386 |
| Book / Page | 67472 / 386 |
| Instrument Date | Apr 20, 2022 |
| Instrument | 43942 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6 BLUEBIRD RD, WINCHENDON, MA 01475-1897 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Mar 8, 2022 |
| Property Address | 37 BAKER ST, GARDNER, MA 01440-2909 |
| Document Number | 067233-191 |
| Book / Page | 67233 / 191 |
| Instrument Date | Mar 8, 2022 |
| Instrument | 26452 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 967 N MAIN ST, RANDOLPH, MA 02368-3056 |
| Document Number | 0000026453 |
|---|---|
| Date | Mar 8, 2022 |
| Instrument | 26453 |
| Name | RESIDENTIAL CAPITAL |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 37 BAKER ST, GARDNER, MA 01440-2909 |
| Document Number | 58473-333 |
| Instrument Date | Feb 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2018 |
| Name | Verified Name |
|---|
| Document Number | 58473-333 |
|---|---|
| Date | Feb 26, 2018 |
| Book Page | 058473/000333 |
| Instrument | 124 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 25, 2038 |
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 |
|---|---|---|---|
| 2025 | $23.00 (-98.96%) | $164,200 (+11.1%) Land $63,700 Building $100,500 | $180,595 |
| 2024 | $2,216.00 (-20.32%) | $147,800 (-14.27%) Land $58,000 Building $89,800 | |
| 2023 | $2,781.00 | $172,400 Land $57,100 Building $115,300 |
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
| 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.
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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