45 Catherine St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 45 Catherine St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,212 sqft · built 1997
Lot Size	0.353 acres (15,393 sqft)
Owner	2 Individual Names on Record
Last Sale	$103,000 (Aug 2012)
Tax Bill	$50 (2025)
Deeds & Mortgages	May 2026 Mortgage Mar 2022 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M:T-27 B:0026 L:0023`

Property Details

APN / Parcel Number

Primary APN	`M:T-27 B:0026 L:0023`
Alternative APN	`GARD M:R27 B:15 L:23`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,212 sqft Living Area
Gross Area	2,556 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,393 sqft (0.353 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 CATHERINE ST
City	GARDNER
State	MA
Zip	01440-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	COLBY PARK
Legal Block	15
Legal Lot Number	23
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1022
Census Tract	707500

Owner

Source: Worcester County and Gardner City records, as of June 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	45 CATHERINE ST, GARDNER, MA 01440-2016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage WORKERS FEDERAL CREDIT UNION
Mar 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU
May 31, 2017	Deed of Trust, Mortgage ROSS MORTGAGE CORP
Nov 16, 2017	Deed of Trust, Mortgage I-C FCU
Jan 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC
Dec 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage ROSS MTG CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2012 · Amount on Record
Deed Sale	Aug 1, 2012 · Amount on Record
Prior Sale	Apr 26, 2002 · Amount on Record
Deed Book / Page	49384 / 288
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	May 21, 2026
Property Address	45 CATHERINE ST, GARDNER, MA 01440-2016
Document Number	073605-297
Book / Page	73605 / 297
Instrument Date	May 14, 2026
Instrument	202640192
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CATHERINE ST, GARDNER, MA 01440-2016

Mortgage

Document Number	0000040192,
Date	May 21, 2026
Book Page	73605/297
Instrument	202640192

Lender

Name	WORKERS FEDERAL CREDIT UNION

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate	6.3%
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	45 CATHERINE ST, GARDNER, MA 01440-2016
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067191-345
Date	Mar 1, 2022
Book Page	67191/345
Instrument	23347

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	45 CATHERINE ST, GARDNER, MA 01440-2016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57189-20
Date	May 31, 2017
Book Page	57189/20
Instrument	55151

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	45 CATHERINE ST, GARDNER, MA 01440-2016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58047-20
Date	Nov 16, 2017
Book Page	58047/20
Instrument	128203

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Nov 1, 2022

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	45 CATHERINE ST, GARDNER, MA 01440-2016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61787-205
Date	Jan 24, 2020
Book Page	61787/205
Instrument	7546

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	45 CATHERINE ST, GARDNER, MA 01440-2016
Document Number	59899-33
Instrument Date	Dec 28, 2018
Transaction Type	Mortgage
Record Updated	Jan 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CATHERINE ST GARDNER MA 014402016, GARDNER, MA 01440-2016

Mortgage

Document Number	59899-33
Date	Jan 3, 2019
Book Page	059899/000033
Instrument	473

Lender

Name	ROSS MTG CO INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2049

Tax Assessment & Valuation

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
2025	$50.00 (-98.98%)	$354,800 (+7.97%) Land $64,600 Building $290,200	$322,905
2024	$4,926.00 (+3.31%)	$328,600 (+11.16%) Land $58,800 Building $269,800
2023	$4,768.00	$295,600 Land $58,000 Building $237,600

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

Flood

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.

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 244 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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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