56 High St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 56 High St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,348 sqft · built 1830
Lot Size	0.38 acres (16,550 sqft)
Owner	2 Individual Names on Record
Last Sale	$202,500 (Aug 2018)
Tax Bill	$4,956 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:T-13 B:0004 L:0017`

Property Details

APN / Parcel Number

Primary APN	`M:T-13 B:0004 L:0017`
Alternative APN	`GARD M:R12 B:10 L:17`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,348 sqft Living Area
Gross Area	2,942 sqft
Basement Area	800 sqft
Unfinished Basement	800 sqft

Exterior

Year Built	Built 1830
Effective Year Built	Effective 1830
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,550 sqft (0.38 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	56 HIGH ST
City	GARDNER
State	MA
Zip	01440-3514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	10
Legal Lot Number	17
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2035
Census Tract	707100

Owner

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	56 HIGH ST, GARDNER, MA 01440-3514
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Deed of Trust, Mortgage · FHA Mortgage LEOMINSTER CU
Sep 2, 2022	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU
Jul 31, 2024	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU
Dec 31, 2020	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU
Aug 9, 2018	Quit Claim Deed, Transfer · Conventional with PMI LEOMINSTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2018 · Amount on Record
Deed Sale	Aug 9, 2018 · Amount on Record
Prior Sale	Oct 28, 2003 · Amount on Record
Deed Book / Page	59233 / 105
Transfer Doc	059233-105
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	56 HIGH ST, GARDNER, MA 01440-3514
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	065431-232
Date	Jun 21, 2021
Book Page	65431/232
Instrument	85585

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	56 HIGH ST, GARDNER, MA 01440-3514
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	068165-286
Date	Sep 2, 2022
Book Page	68165/286
Instrument	97209

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2042

Interest

Rate Type	Adjustable Rate

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	56 HIGH ST, GARDNER, MA 01440-3514
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070828-180
Date	Jul 31, 2024
Book Page	70828/180
Instrument	60185

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2044

Interest

Rate Type	Adjustable Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	56 HIGH ST, GARDNER, MA 01440-3514
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64125-107
Date	Dec 31, 2020
Book Page	64125/107
Instrument	164891

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2041

Interest

Rate Type	Adjustable Rate

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 9, 2018
Property Address	56 HIGH ST, GARDNER, MA 01440-3514
Document Number	59233-105
Book / Page	059233 / 000105
Instrument Date	Aug 9, 2018
Instrument	82954
Transaction Type	Transfer
Record Updated	Aug 28, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$923.40
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	56 HIGH ST GARDNER MA 014403514, GARDNER, MA 01440-3514

Mortgage

Document Number	59233-108
Date	Aug 9, 2018
Book Page	059233/000108
Instrument	82955

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2048

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	$4,956.00 (+10,444.68%)	$359,900 (+8.24%) Land $79,800 Building $280,100	$335,288 (-0.36%)
2025	$47.00 (-98.99%)	$332,500 (+6.6%) Land $72,500 Building $260,000	$336,490
2024	$4,675.00 (+2.63%)	$311,900 (+10.45%) Land $65,900 Building $246,000
2023	$4,555.00	$282,400 Land $65,000 Building $217,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Indirect within ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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