61 Temple St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 61 Temple St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,131 sqft · built 1930
Lot Size	0.491 acres (21,398 sqft)
Owner	Individual Name on Record
Last Sale	$179,900 (Sep 2000)
Tax Bill	$5,621 (2026)
Deeds & Mortgages	Jun 2025 Mortgage Oct 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:S-22 B:0063 L:0013`

Property Details

APN / Parcel Number

Primary APN	`M:S-22 B:0063 L:0013`
Alternative APN	`GARD M:R22 B:14 L:13`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,131 sqft Living Area
Gross Area	3,664 sqft
Basement Area	1,114 sqft
Unfinished Basement	1,114 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	21,398 sqft (0.491 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	61 TEMPLE ST
City	GARDNER
State	MA
Zip	01440-2303
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	14
Legal Lot Number	13
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3018
Census Tract	707500

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	Individual Name on Record
Mailing Address	61 TEMPLE ST, GARDNER, MA 01440-2303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2025	Deed of Trust, Mortgage NEWREZ LLC
Oct 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2000 · Amount on Record
Deed Sale	Sep 29, 2000 · Amount on Record
Deed Book / Page	23058 / 122
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	61 TEMPLE ST, GARDNER, MA 01440-2303
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072134-130
Date	Jun 18, 2025
Book Page	72134/130
Instrument	49218

Lender

Name	NEWREZ LLC

Agreement

Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2045

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	61 TEMPLE ST, GARDNER, MA 01440-2303
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63448-48
Date	Oct 8, 2020
Book Page	63448/48
Instrument	118928

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

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	$5,621.00 (+5.1%)	$408,200 (+9.61%) Land $91,100 Building $317,100	$438,078 (+3.91%)
2025	$5,348.00 (-0.43%)	$372,400 (+3.94%) Land $82,900 Building $289,500	$421,610
2024	$5,371.00 (+1.9%)	$358,300 (+9.64%) Land $75,300 Building $283,000
2023	$5,271.00	$326,800 Land $74,200 Building $252,600

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
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	None beyond 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 215 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Gateway Fiber, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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