Worcester County and Gardner City property record for 45 Princeton St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,176 sqft · built 1973 |
| Lot Size | 0.275 acres (11,961 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $360,000 (Feb 2023) |
| Tax Bill | $5,100 (2026) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Oct 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:H27 B:15 L:2 |
| Primary APN | GARD M:H27 B:15 L:2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Gross Area | 3,072 sqft |
| Basement Area | 1,176 sqft |
| Unfinished Basement | 1,176 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,961 sqft (0.275 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 45 PRINCETON ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1831 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 15 |
| Legal Lot Number | 2 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 707400 |
45 Princeton St is owned and occupied by two individuals who bought it in February 2023.
Source: Worcester County and Gardner City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 PRINCETON ST, GARDNER, MA 01440-1831 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 28, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC |
| Oct 18, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage PRINCETON LENDING T |
| Jan 5, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2023 · Amount on File |
| Deed Sale | Feb 28, 2023 · Amount on File |
| Prior Sale | Oct 18, 2022 · Amount on File |
| Deed Book / Page | 68867 / 40 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Feb 28, 2023 |
| Property Address | 45 PRINCETON ST, GARDNER, MA 01440-1831 |
| Document Number | 0068867-40 |
| Book / Page | 68867 / 40 |
| Instrument Date | Feb 28, 2023 |
| Instrument | 16219 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2023 |
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 45 PRINCETON ST, GARDNER, MA 01440-1831 |
| Document Number | 0000016220 |
|---|---|
| Date | Feb 28, 2023 |
| Instrument | 16220 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 18, 2022 |
| Property Address | 45 PRINCETON ST, GARDNER, MA 01440-1831 |
| Document Number | 0068366-97 |
| Book / Page | 68366 / 97 |
| Instrument Date | Oct 17, 2022 |
| Instrument | 112997 |
| 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 | 76 KENDALL HILL RD, STERLING, MA 01564-1515 |
| Investor | Possibly a Property Investor |
| Document Number | 0000112999 |
|---|---|
| Date | Oct 18, 2022 |
| Instrument | 112999 |
| Name | PRINCETON LENDING T |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jan 5, 2017 |
| Property Address | 45 PRINCETON ST, GARDNER, MA 01440-1831 |
| Document Number | 56573-260 |
| Book / Page | 056573 / 000260 |
| Instrument Date | Jan 5, 2017 |
| Instrument | 1445 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 PRINCETON ST GARDNER MA 014401831, GARDNER, MA 01440-1831 |
The 2026 property tax bill for 45 Princeton St was $5,100, up 9,707.7% 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 | $5,100.00 (+9,707.69%) | $370,400 (+2.09%) Land $57,500 Building $312,900 | $385,810 (+9.61%) |
| 2025 | $52.00 (-99%) | $362,800 (+4.79%) Land $52,300 Building $310,500 | $351,975 |
| 2024 | $5,190.00 (+23.57%) | $346,200 (+32.95%) Land $47,500 Building $298,700 | |
| 2023 | $4,200.00 | $260,400 Land $46,900 Building $213,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Princeton St in Zone X, an area of minimal flood risk.
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 risk around 45 Princeton 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 | Direct burnable vegetation |
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 380 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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