Worcester County and Gardner City property record for 43 Harvard St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,008 sqft · built 1940 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (Aug 2024) |
| Tax Bill | $4,712 (2026) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Jan 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:N-20 B:0033 L:0020 |
| Primary APN | M:N-20 B:0033 L:0020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| Gross Area | 2,312 sqft |
| Basement Area | 1,088 sqft |
| Unfinished Basement | 1,088 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 43 HARVARD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | HILLCREST |
| Legal Block | 24 |
| Legal Lot Number | 20 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 707300 |
43 Harvard St is owned and occupied by an individual who bought it in August 2024.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 43 HARVARD ST, GARDNER, MA 01440-2824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 25, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage BERKSHIRE BANK |
| Jan 18, 2023 | Quit Claim Deed, Transfer |
| Mar 29, 2022 | Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 20, 2024 · Amount on File |
| Deed Sale | Aug 20, 2024 · Amount on File |
| Prior Sale | Jul 25, 2023 · Amount on File |
| Deed Book / Page | 70915 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 25, 2023 |
| Property Address | 43 HARVARD ST, GARDNER, MA 01440-2824 |
| Document Number | 069426-338 |
| Book / Page | 69426 / 338 |
| Instrument Date | Jul 25, 2023 |
| Instrument | 59856 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| 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 | 43 HARVARD ST, GARDNER, MA 01440-2824 |
| Document Number | 0000059857 |
|---|---|
| Date | Jul 25, 2023 |
| Instrument | 59857 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jan 18, 2023 |
| Property Address | 43 HARVARD ST, GARDNER, MA 01440-2824 |
| Document Number | 068731-162 |
| Book / Page | 68731 / 162 |
| Instrument Date | Jan 12, 2023 |
| Instrument | 4851 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 776 SHEA ST, FITCHBURG, MA 01420-4863 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Mar 29, 2022 |
| Property Address | 43 HARVARD ST, GARDNER, MA 01440-2824 |
| Document Number | 0067340-32 |
| Book / Page | 67340 / 32 |
| Instrument Date | Mar 2, 2022 |
| Instrument | 34366 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 15, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1 MORTGAGE WAY, MOUNT LAUREL, NJ 08054-4637 |
The 2026 property tax bill for 43 Harvard St was $4,712, up 10,371.1% from the year before.
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 |
|---|---|---|---|
| 2026 | $4,712.00 (+10,371.11%) | $342,200 (+8.81%) Land $72,200 Building $270,000 | $345,905 (+6.68%) |
| 2025 | $45.00 (-98.89%) | $314,500 (+16.31%) Land $65,600 Building $248,900 | $324,235 |
| 2024 | $4,053.00 (+7.51%) | $270,400 (+15.7%) Land $59,700 Building $210,700 | |
| 2023 | $3,770.00 | $233,700 Land $58,800 Building $174,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43 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 risk around 43 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.
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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