55 Baker St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 55 Baker St, Gardner, MA 01440 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,440 sqft · built 1930
Lot Size	0.066 acres (2,896 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Apr 2021)
Tax Bill	$40 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Dec 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:N-22 B:0045 L:0074`

Property Details

APN / Parcel Number

Primary APN	`M:N-22 B:0045 L:0074`
Alternative APN	`GARD M:M22 B:14 L:74`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
Gross Area	2,580 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	2,896 sqft (0.066 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	55 BAKER ST
City	GARDNER
State	MA
Zip	01440-2909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	14
Legal Lot Number	74
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1007
Census Tract	707300

Owner

Source: Worcester County and Gardner City records · APN M:N-22 B:0045 L:0074

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	55 BAKER ST, GARDNER, MA 01440-2909
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 18, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 14, 2021	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Sep 16, 2020	Quit Claim Deed, Transfer · FHA Mortgage EVOLVE BANK & TRUST

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 14, 2021 · Amount on Record
Deed Sale	Apr 14, 2021 · Amount on Record
Prior Sale	Sep 16, 2020 · Amount on Record
Deed Book / Page	64937 / 31
Transfer Doc	058609-100
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	55 BAKER ST, GARDNER, MA 01440-2909
Transaction Type	Mortgage
Record Updated	Feb 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067302-172
Date	Mar 22, 2022
Book Page	67302/172
Instrument	31514

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2052

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	55 BAKER ST, GARDNER, MA 01440-2909
Transaction Type	Mortgage
Record Updated	Feb 09, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071431-363
Date	Dec 18, 2024
Book Page	71431/363
Instrument	105272

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Jan 01, 2053

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 14, 2021
Property Address	55 BAKER ST, GARDNER, MA 01440-2909
Document Number	0064937-31
Book / Page	64937 / 31
Instrument Date	Apr 14, 2021
Instrument	51672
Transaction Type	Transfer
Record Updated	Feb 09, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	55 BAKER ST, GARDNER, MA 01440-2909

Mortgage

Document Number	0000051673
Date	Apr 14, 2021
Instrument	51673

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 16, 2020
Property Address	55 BAKER ST, GARDNER, MA 01440-2909
Document Number	0063270-10
Book / Page	63270 / 10
Instrument Date	Sep 08, 2020
Instrument	107196
Transaction Type	Transfer
Record Updated	Apr 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	55 BAKER ST, GARDNER, MA 01440-2909

Mortgage

Document Number	0000107201
Date	Sep 16, 2020
Instrument	107201

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$40.00 (-99.01%)	$285,400 (+6.33%) Land $62,400 Building $223,000	$306,280
2024	$4,023.00 (+2.55%)	$268,400 (+10.36%) Land $56,700 Building $211,700
2023	$3,923.00	$243,200 Land $55,900 Building $187,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 446 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Gateway Fiber Holdings	Fiber	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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