Worcester County and Gardner City property record for 38 Baker St, Gardner, MA 01440
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 6 bd · 4 ba · 2,670 sqft · built 1800 |
| Lot Size | 0.252 acres (10,968 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $510,000 (Jun 2025) |
| Tax Bill | $5,241 (2025) |
| Deeds & Mortgages | Jun 2025 Sale Aug 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:O-22 B:0004 L:0018 |
| Primary APN | M:O-22 B:0004 L:0018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 12 Rooms |
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 2,670 sqft Living Area |
| Gross Area | 4,861 sqft |
| Year Built | Built 1800 |
|---|---|
| Effective Year Built | Effective 1800 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,968 sqft (0.252 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 38 BAKER ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2972 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Legal Block | 15 |
| Legal Lot Number | 18 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1006 |
| 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 | 211 MARSHALL RD, FITCHBURG, MA 01420-2062 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Jun 27, 2025 | Quit Claim Deed, Transfer |
| Aug 12, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage JEANNE D ARC CU |
| Jun 28, 2022 | Deed, Construction Loan · Construction Mortgage ABL RPC RES CREDIT AC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 27, 2025 · Amount on Record |
| Deed Sale | Jun 27, 2025 · Amount on Record |
| Prior Sale | Aug 12, 2022 · Amount on Record |
| Deed Book / Page | 72187 / 88 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 27, 2025 |
| Property Address | 38 BAKER ST, GARDNER, MA 01440-2972 |
| Document Number | 0072187-88 |
| Book / Page | 72187 / 88 |
| Instrument Date | Jun 27, 2025 |
| Instrument | 202500052966 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 211 MARSHALL RD, FITCHBURG, MA 01420-2062 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Aug 12, 2022 |
| Property Address | 38 BAKER ST, GARDNER, MA 01440-2972 |
| Document Number | 0068065-16 |
| Book / Page | 68065 / 16 |
| Instrument Date | Aug 12, 2022 |
| Instrument | 89382 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 165 THORNDIKE ST # STE20, STE20, LOWELL, MA 01852-3485 |
| Investor | Possibly a Property Investor |
| Document Number | 0000089383 |
|---|---|
| Date | Aug 12, 2022 |
| Instrument | 89383 |
| Name | JEANNE D ARC CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 28, 2022 |
| Property Address | 38 BAKER ST, GARDNER, MA 01440-2972 |
| Document Number | 067818-294 |
| Book / Page | 67818 / 294 |
| Instrument Date | Jun 27, 2022 |
| Instrument | 70226 |
| Transaction Type | Construction Loan |
| 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 | 185 THORNDIKE ST # STE20, STE20, LOWELL, MA 01852-3308 |
| Document Number | 0000070227 |
|---|---|
| Date | Jun 28, 2022 |
| Instrument | 70227 |
| Name | ABL RPC RES CREDIT AC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $5,241.00 (+13.22%) | $365,000 (+18.2%) Land $69,100 Building $295,900 |
| 2024 | $4,629.00 (+0.52%) | $308,800 (+8.16%) Land $62,800 Building $246,000 |
| 2023 | $4,605.00 | $285,500 Land $61,900 Building $223,600 |
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
| 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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