45 Baker St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 45 Baker St, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property Type	Duplex
Details	5 bd · 2.5 ba · 1,642 sqft · built 1900
Lot Size	0.14 acres (6,110 sqft)
Owner	Individual Name on File
Last Sale	$211,900 (Sep 2020)
Tax Bill	$40 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jan 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:O-22 B:0047 L:0021`

Property Details

APN / Parcel Number

Primary APN	`M:O-22 B:0047 L:0021`
Alternative APN	`GARD M:M22 B:15 L:21`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,642 sqft Living Area
Gross Area	2,920 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,110 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 BAKER ST
City	GARDNER
State	MA
Zip	01440-2909
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	15
Legal Lot Number	21
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1007
Census Tract	707300

Owner

Source: Worcester County and Gardner City records · APN M:O-22 B:0047 L:0021

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	45 BAKER ST, GARDNER, MA 01440-2909
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2020	Quit Claim Deed, Transfer · FHA Mortgage NEWREZ LLC
Jan 18, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 30, 2020 · Amount on Record
Deed Sale	Sep 30, 2020 · Amount on Record
Prior Sale	Jan 18, 2017
Deed Document Number	2020114905
Deed Book / Page	63389 / 68
Transfer Doc	56621-382
Record Updated	Jun 08, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 30, 2020
Property Address	45 BAKER ST, GARDNER, MA 01440-2909
Document Number	63389-68
Book / Page	63389 / 68
Instrument Date	Sep 23, 2020
Instrument	114905
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	45 BAKER ST, GARDNER, MA 01440-2909

Mortgage

Document Number	114906
Date	Sep 30, 2020
Instrument	114906

Lender

Name	NEWREZ LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 18, 2017
Property Address	45 BAKER ST, GARDNER, MA 01440-2909
Document Number	56621-382
Book / Page	056621 / 000382
Instrument Date	Dec 28, 2016
Instrument	5848
Transaction Type	Transfer
Record Updated	Feb 07, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	23 ALDRICH ST SOMERVILLE MA 021453902, SOMERVILLE, MA 02145-3902

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$40.00 (-99.04%)	$281,100 (+1.08%) Land $66,200 Building $214,900
2024	$4,169.00 (+7.42%)	$278,100 (+15.59%) Land $60,200 Building $217,900
2023	$3,881.00	$240,600 Land $59,300 Building $181,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 446 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Gateway Fiber Holdings	Fiber	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

45 Baker St, Gardner, MA 01440 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Nearby Properties on Baker St

Nearby Streets

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