46 Prospect St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 46 Prospect St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,461 sqft · built 1920
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Apr 2020)
Tax Bill	$4,931 (2026)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:4 L:9`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:4 L:9`
Alternative APN	`M:S-13 B:0003 L:0009`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,461 sqft Living Area
Gross Area	3,927 sqft
Basement Area	1,350 sqft
Unfinished Basement	1,350 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	46 PROSPECT ST
City	GARDNER
State	MA
Zip	01440-3536
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Subdivision	ERNEST R DUTEAUX GARDNER
Legal Block	4
Legal Lot Number	9
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1033
Census Tract	707100

Owner

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	Individual Name on Record
Mailing Address	46 PROSPECT ST, GARDNER, MA 01440-3536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2020 · Amount on Record
Deed Sale	Apr 22, 2020 · Amount on Record
Prior Sale	May 9, 2006 · Amount on Record
Deed Document Number	202040335
Deed Book / Page	62256 / 3
Prior Transfer Date	Mar 23, 2020
Prior Transfer Doc	62256-3
Record Updated	Oct 29, 2026

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 22, 2020
Property Address	46 PROSPECT ST, GARDNER, MA 01440-3536
Document Number	62256-3
Book / Page	062256 / 000003
Instrument Date	Mar 23, 2020
Instrument	40335
Transaction Type	Transfer
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,117.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 PROSPECT ST GARDNER MA 014403536, GARDNER, MA 01440-3536

Mortgage

Document Number	62256-6
Date	Apr 22, 2020
Book Page	062256/000006
Instrument	40336

Lender

Name	ROSS MTG CO INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2050

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
2026	$4,931.00 (+11,106.82%)	$358,100 (+14.41%) Land $75,100 Building $283,000	$385,004
2025	$44.00 (-98.99%)	$313,000 (+7.86%) Land $68,300 Building $244,700
2024	$4,350.00 (+1.97%)	$290,200 (+9.72%) Land $62,100 Building $228,100
2023	$4,266.00	$264,500 Land $61,200 Building $203,300

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 · 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

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.

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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Prospect St

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