Worcester County and Gardner City property record for 61 Howard St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,106 sqft · built 1988 |
| Lot Size | 13.7 acres (598,837 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $106,000 (Nov 1995) |
| Tax Bill | $5,222 (2026) |
| Deeds & Mortgages | Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:H-42 B:0029E L:0002E |
| Primary APN | M:H-42 B:0029E L:0002E |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,106 sqft Living Area |
| Gross Area | 2,504 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 598,837 sqft (13.7 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 61 HOWARD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 17 |
| Legal Lot Number | 2E |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 707400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 61 HOWARD ST, GARDNER, MA 01440-1209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 6, 1995 · Amount on Record |
| Deed Sale | Nov 6, 1995 · Amount on Record |
| Deed Book / Page | 17446 / 219 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 61 HOWARD ST, GARDNER, MA 01440-1209 |
| Document Number | 61451-75 |
| Instrument Date | Nov 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 61 HOWARD ST GARDNER MA 014401209, GARDNER, MA 01440-1209 |
| Document Number | 61451-75 |
|---|---|
| Date | Nov 20, 2019 |
| Book Page | 061451/000075 |
| Instrument | 124844 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 19, 2049 |
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 | $5,222.00 (+10,139.22%) | $379,200 (+6.7%) Land $72,000 Building $307,200 | $512,846 (+38.24%) |
| 2025 | $51.00 (-99%) | $355,400 (+4.22%) Land $79,500 Building $275,900 | $370,975 |
| 2024 | $5,112.00 (+4.5%) | $341,000 (+12.43%) Land $73,600 Building $267,400 | |
| 2023 | $4,892.00 | $303,300 Land $69,900 Building $233,400 |
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 | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · rainfall accumulation |
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: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
May also be available: T-Mobile.
5G and 4G LTE (outdoors only)
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