Worcester County and Gardner City property record for 59 Prospect St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,302 sqft · built 1927 |
| Lot Size | 0.769 acres (33,481 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $221,000 (May 2016) |
| Tax Bill | $5,854 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R12 B:9 L:7 |
| Primary APN | GARD M:R12 B:9 L:7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,302 sqft Living Area |
| Gross Area | 4,406 sqft |
| Basement Area | 977 sqft |
| Unfinished Basement | 977 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 33,481 sqft (0.769 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 59 PROSPECT ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3537 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 9 |
| Legal Lot Number | 7 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 707100 |
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 | 59 PROSPECT ST, GARDNER, MA 01440-3537 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 26, 2016 · Amount on Record |
| Deed Sale | May 26, 2016 · Amount on Record |
| Prior Sale | Dec 17, 1982 · Amount on Record |
| Deed Book / Page | 55385 / 34 |
| Transfer Doc | 0055385-34 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 59 PROSPECT ST, GARDNER, MA 01440-3537 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 072504-184 |
|---|---|
| Date | Sep 8, 2025 |
| Book Page | 72504/184 |
| Instrument | 76402 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
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 | $5,854.00 (+8.99%) | $425,100 (+13.66%) Land $90,000 Building $335,100 | $523,640 (+29.69%) |
| 2025 | $5,371.00 (-3.97%) | $374,000 (+0.24%) Land $81,800 Building $292,200 | $403,750 |
| 2024 | $5,593.00 (+5.85%) | $373,100 (+13.89%) Land $74,500 Building $298,600 | |
| 2023 | $5,284.00 | $327,600 Land $73,300 Building $254,300 |
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 · 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 | 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.
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 | Direct burnable vegetation |
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 252 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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