511 Pearl St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 511 Pearl St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,040 sqft · built 1965
Lot Size	0.237 acres (10,340 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Jan 2025)
Tax Bill	$4,730 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:X-30 B:0075 L:0010`

Property Details

APN / Parcel Number

Primary APN	`M:X-30 B:0075 L:0010`
Alternative APN	`GARD M:W32 B:24 L:10`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Gross Area	2,530 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,340 sqft (0.237 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	511 PEARL ST
City	GARDNER
State	MA
Zip	01440-2423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	10
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2006
Census Tract	707500

Owner

511 Pearl St is owned and occupied by an individual who bought it in January 2025.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	511 PEARL ST, GARDNER, MA 01440-2423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Jan 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
May 28, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WORKERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2025 · Amount on File
Deed Sale	Jan 9, 2025 · Amount on File
Prior Sale	Jul 22, 2013 · Amount on File
Deed Document Number	20252036
Deed Book / Page	71512 / 156
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Sep 2, 2026
Property Address	511 PEARL ST, GARDNER, MA 01440-2423
Document Number	0000077230
Book / Page	74123 / 237
Instrument Date	Aug 26, 2026
Instrument	202677230
Transaction Type	Mortgage
Record Updated	Sep 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 PEARL ST, GARDNER, MA 01440-2423

Mortgage

Document Number	0000077230,
Date	Sep 2, 2026
Book Page	74123/237
Instrument	202677230

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Oct 1, 2055

Interest

Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	511 PEARL ST, GARDNER, MA 01440-2423
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064330-133
Date	Jan 27, 2021
Book Page	64330/133
Instrument	12431

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	511 PEARL ST, GARDNER, MA 01440-2423
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070553-282
Date	May 28, 2024
Book Page	70553/282
Instrument	39260

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2044

Tax Assessment & Valuation

The 2026 property tax bill for 511 Pearl St was $4,730, up 9,963.8% from the year before.

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	$4,730.00 (+9,963.83%)	$343,500 (+4.73%) Land $75,600 Building $267,900	$380,086 (+10.37%)
2025	$47.00 (-98.99%)	$328,000 (+6.05%) Land $68,700 Building $259,300	$344,375
2024	$4,636.00 (+8.01%)	$309,300 (+16.23%) Land $62,500 Building $246,800
2023	$4,292.00	$266,100 Land $61,600 Building $204,500

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

Flood

FEMA maps place 511 Pearl 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

Wildfire risk around 511 Pearl 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	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.

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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