Worcester County and Gardner City property record for 56 Harvard St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,482 sqft · built 1920 |
| Lot Size | 0.184 acres (8,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (May 2023) |
| Tax Bill | $4,041 (2026) |
| Deeds & Mortgages | Nov 2025 Mortgage May 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:N-20 B:0008 L:0011 |
| Primary APN | M:N-20 B:0008 L:0011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,482 sqft Living Area |
| Gross Area | 3,050 sqft |
| Basement Area | 1,026 sqft |
| Unfinished Basement | 1,026 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,000 sqft (0.184 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 56 HARVARD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2862 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 24 |
| Legal Lot Number | 35 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 707300 |
56 Harvard St is owned and occupied by two individuals who bought it in May 2023.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 56 HARVARD ST, GARDNER, MA 01440-2862 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 3, 2025 | Deed of Trust, Mortgage CLOVER TRUST |
| May 31, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEOMINSTER CU |
| Dec 5, 2017 | Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2023 · Amount on File |
| Deed Sale | May 31, 2023 · Amount on File |
| Deed Document Number | 202342075 |
| Deed Book / Page | 69197 / 289 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 56 HARVARD ST, GARDNER, MA 01440-2862 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Name | Verified Name |
|---|
| Document Number | 072771-128 |
|---|---|
| Date | Nov 3, 2025 |
| Book Page | 72771/128 |
| Instrument | 95451 |
| Name | CLOVER TRUST |
|---|
| Amount | Amount on Record |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | May 31, 2023 |
| Property Address | 56 HARVARD ST, GARDNER, MA 01440-2862 |
| Document Number | 069197-289 |
| Book / Page | 69197 / 289 |
| Instrument Date | May 31, 2023 |
| Instrument | 42075 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 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 | Joint Tenants with Right of Survivorship |
| Address | 56 HARVARD ST, GARDNER, MA 01440-2862 |
| Document Number | 0000042076 |
|---|---|
| Date | May 31, 2023 |
| Instrument | 42076 |
| Name | LEOMINSTER CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Jun 1, 2033 |
| Max Rate At Change | 2.75% |
| Index | 5-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 56 HARVARD ST, GARDNER, MA 01440-2862 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 58141-258 |
|---|---|
| Date | Dec 5, 2017 |
| Book Page | 58141/258 |
| Instrument | 136031 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 1, 2037 |
The 2026 property tax bill for 56 Harvard St was $4,041, up 10,534.2% 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 | $4,041.00 (+10,534.21%) | $293,500 (+8.3%) Land $74,100 Building $219,400 | $346,083 (+1.7%) |
| 2025 | $38.00 (-99.01%) | $271,000 (+5.94%) Land $67,300 Building $203,700 | $340,290 |
| 2024 | $3,834.00 (+2.76%) | $255,800 (+10.59%) Land $61,200 Building $194,600 | |
| 2023 | $3,731.00 | $231,300 Land $60,300 Building $171,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 56 Harvard St in Zone X, an area of minimal flood risk.
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 | 4 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 risk around 56 Harvard 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 | None beyond ember reach |
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 446 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures