37 Prospect St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 37 Prospect St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,253 sqft · built 1969
Lot Size	0.117 acres (5,085 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (May 2026)
Tax Bill	$3,485 (2026)
Deeds & Mortgages	May 2026 Second Mortgage May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:4 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:4 L:2`
Alternative APN	`M:S-14 B:0042 L:0002`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,253 sqft Living Area
Gross Area	2,730 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Cape Cod
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,085 sqft (0.117 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	37 PROSPECT ST
City	GARDNER
State	MA
Zip	01440-3535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	4
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1032
Census Tract	707100

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	37 PROSPECT ST, GARDNER, MA 01440-3535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage RADIUS FINANCIAL GROUP INC
May 15, 2026	Quit Claim Deed, Transfer · FHA Mortgage RADIUS FINANCIAL GROUP INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2026 · Amount on Record
Deed Sale	May 15, 2026 · Amount on Record
Prior Sale	Oct 1, 2002 · Amount on Record
Deed Document Number	202638649
Deed Book / Page	73584 / 23
Prior Transfer Date	Apr 2, 2026
Prior Transfer Doc	0000038649
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	May 15, 2026
Property Address	37 PROSPECT ST, GARDNER, MA 01440-3535
Document Number	0073584-45
Book / Page	73584 / 45
Instrument Date	May 15, 2026
Instrument	202638651
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 PROSPECT ST, GARDNER, MA 01440-3535

Mortgage

Document Number	0000038651,
Date	May 15, 2026
Book Page	73584/45
Instrument	202638651

Lender

Name	RADIUS FINANCIAL GROUP INC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 15, 2026
Property Address	37 PROSPECT ST, GARDNER, MA 01440-3535
Document Number	0000038649
Book / Page	73584 / 23
Instrument Date	Apr 2, 2026
Instrument	202638649
Transaction Type	Transfer
Record Updated	Jun 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 PROSPECT ST, GARDNER, MA 01440-3535

Mortgage

Date	May 15, 2026

Lender

Name	RADIUS FINANCIAL GROUP INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	6.46%
Max Rate	-1%

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	$3,485.00 (+9,857.14%)	$253,100 (+2.14%) Land $72,200 Building $180,900	$326,466 (+11.29%)
2025	$35.00 (-99%)	$247,800 (+6.35%) Land $65,600 Building $182,200	$293,360
2024	$3,493.00 (+7.78%)	$233,000 (+15.98%) Land $59,700 Building $173,300
2023	$3,241.00	$200,900 Land $58,800 Building $142,100

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 · 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

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

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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