38 Rich St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,080 sqft · built 1937
Lot Size	0.107 acres (4,651 sqft)
Owner	Individual Name on File
Last Sale	$397,900 (Aug 2025)
Tax Bill	$5,807 (2026)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:8 L:12`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:8 L:12`
Alternative APN	`M:R-23 B:0004 L:0012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,080 sqft Living Area
Gross Area	1,792 sqft
Basement Area	440 sqft
Unfinished Basement	440 sqft

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,651 sqft (0.107 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	38 RICH ST
City	GARDNER
State	MA
Zip	01440-2714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	8
Legal Lot Number	12
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3016
Census Tract	707500

Owner

38 Rich St is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	38 RICH ST, GARDNER, MA 01440-2714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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

Date	Document
Aug 29, 2025	Quit Claim Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Nov 17, 2022	Quit Claim Deed, Transfer · FHA Mortgage SEACOAST MORTGAGE CORPORATION
Jun 30, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage 1ST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2025 · Amount on File
Deed Sale	Aug 29, 2025 · Amount on File
Prior Sale	Nov 17, 2022 · Amount on File
Deed Book / Page	72465 / 397
Record Updated	Oct 29, 2026

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 29, 2025
Property Address	38 RICH ST, GARDNER, MA 01440-2714
Document Number	072465-397
Book / Page	72465 / 397
Instrument Date	Aug 29, 2025
Instrument	73535
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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
Address	38 RICH ST, GARDNER, MA 01440-2714

Mortgage

Document Number	0000073536
Date	Aug 29, 2025
Instrument	73536

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 17, 2022
Property Address	38 RICH ST, GARDNER, MA 01440-2714
Document Number	068501-108
Book / Page	68501 / 108
Instrument Date	Nov 17, 2022
Instrument	123636
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	38 RICH ST, GARDNER, MA 01440-2714

Mortgage

Document Number	0000123637
Date	Nov 17, 2022
Instrument	123637

Lender

Name	SEACOAST MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 30, 2021
Property Address	38 RICH ST, GARDNER, MA 01440-2714
Document Number	065516-236
Book / Page	65516 / 236
Instrument Date	Jun 30, 2021
Instrument	91480
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	38 RICH ST, GARDNER, MA 01440-2714

Mortgage

Document Number	0000091481
Date	Jun 30, 2021
Instrument	91481

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 38 Rich St was $5,807, up 3.6% 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	$5,807.00 (+3.59%)	$421,700 (+8.02%) Land $71,600 Building $350,100	$376,402 (+13.07%)
2025	$5,606.00 (+4.9%)	$390,400 (+9.51%) Land $65,100 Building $325,300	$332,880
2024	$5,344.00 (+96.04%)	$356,500 (+110.95%) Land $59,200 Building $297,300
2023	$2,726.00	$169,000 Land $58,300 Building $110,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 38 Rich 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	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

Wildfire risk around 38 Rich 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 388 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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