Worcester County and Gardner City property record for 481 Pearl St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,346 sqft · built 1969 |
| Lot Size | 0.289 acres (12,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $182,000 (Mar 2007) |
| Tax Bill | $4,461 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:W27 B:3 L:6 |
| Primary APN | GARD M:W27 B:3 L:6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,346 sqft Living Area |
| Gross Area | 2,544 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,600 sqft (0.289 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 481 PEARL ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2498 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | WALTER W MANDRES |
| Legal Block | 3 |
| Legal Lot Number | 6 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City records, as of October 20, 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 | 481 PEARL ST, GARDNER, MA 01440-2498 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2007 · Amount on Record |
| Deed Sale | Mar 30, 2007 · Amount on Record |
| Prior Sale | Aug 17, 1999 · Amount on Record |
| Deed Document Number | 200741078 |
| Deed Book / Page | 40903 / 326 |
| Record Updated | Oct 29, 2026 |
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 | $4,461.00 (+9,813.33%) | $324,000 (+1.89%) Land $77,100 Building $246,900 | $381,789 (+17.06%) |
| 2025 | $45.00 (-99.01%) | $318,000 (+4.74%) Land $70,100 Building $247,900 | $326,135 |
| 2024 | $4,551.00 (+8.8%) | $303,600 (+17.08%) Land $63,800 Building $239,800 | |
| 2023 | $4,183.00 | $259,300 Land $62,900 Building $196,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 124 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.
5G (outdoors only) and 4G LTE
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