38 Harvard St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 38 Harvard St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,632 sqft · built 1900
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Sep 2022)
Tax Bill	$3,942 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M22 B:24 L:9`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M22 B:24 L:9`
Alternative APN	`M:N-20 B:0006 L:0009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,632 sqft Living Area
Gross Area	2,541 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	38 HARVARD ST
City	GARDNER
State	MA
Zip	01440-2825
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	9
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2015
Census Tract	707300

Owner

38 Harvard St, a duplex, is owned by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2 PETER J DR, TOWNSEND, MA 01469-1517
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2022 · Amount on File
Deed Sale	Sep 14, 2022 · Amount on File
Prior Sale	Aug 9, 2002 · Amount on File
Deed Book / Page	68209 / 10
Record Updated	Oct 29, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 14, 2022
Property Address	38 HARVARD ST, GARDNER, MA 01440-2825
Document Number	0068209-10
Book / Page	68209 / 10
Instrument Date	Sep 14, 2022
Instrument	100707
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	2 PETER J DR, TOWNSEND, MA 01469-1517

Mortgage

Document Number	0000100708
Date	Sep 14, 2022
Instrument	100708

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 38 Harvard St was $3,942, up 12,218.8% 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	$3,942.00 (+12,218.75%)	$286,300 (+26.96%) Land $72,200 Building $214,100	$352,221
2025	$32.00 (-99.05%)	$225,500 (+0.18%) Land $65,600 Building $159,900
2024	$3,374.00 (+7.11%)	$225,100 (+15.26%) Land $59,700 Building $165,400
2023	$3,150.00	$195,300 Land $58,800 Building $136,500

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

Flood

FEMA maps place 38 Harvard 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	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.

Wildfire

Wildfire risk around 38 Harvard 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	None beyond ember reach

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 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