63 Catherine St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 63 Catherine St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,182 sqft · built 1987
Lot Size	0.253 acres (11,010 sqft)
Owner	Individual Name on Record
Last Sale	$405,000 (Jun 2026)
Tax Bill	$5,001 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:T-27 B:0023 L:0020`

Property Details

APN / Parcel Number

Primary APN	`M:T-27 B:0023 L:0020`
Alternative APN	`GARD M:R27 B:15 L:20`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,182 sqft Living Area
Gross Area	2,506 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,010 sqft (0.253 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	63 CATHERINE ST
City	GARDNER
State	MA
Zip	01440-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Subdivision	COLBY PARK
Legal Block	15
Legal Lot Number	20
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1022
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	63 CATHERINE ST, GARDNER, MA 01440-2016
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 12, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 31, 2019	Quit Claim Deed, Transfer · FHA Mortgage QUAD CTY BK&TR
Sep 28, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2026 · Amount on Record
Deed Sale	Jun 29, 2026 · Amount on Record
Prior Sale	May 31, 2019 · Amount on Record
Deed Document Number	202653617
Deed Book / Page	73794 / 339
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 29, 2026
Property Address	63 CATHERINE ST, GARDNER, MA 01440-2016
Document Number	0000053617
Book / Page	73794 / 339
Instrument Date	Jun 26, 2026
Instrument	202653617
Transaction Type	Transfer
Record Updated	Jul 22, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 CATHERINE ST, GARDNER, MA 01440-2016

Mortgage

Date	Jun 29, 2026

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	6.36%
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	63 CATHERINE ST, GARDNER, MA 01440-2016
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066508-183
Date	Nov 12, 2021
Book Page	66508/183
Instrument	158583

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Dec 1, 2049

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 31, 2019
Property Address	63 CATHERINE ST, GARDNER, MA 01440-2016
Document Number	60482-79
Book / Page	060482 / 000079
Instrument Date	May 31, 2019
Instrument	49475
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,117.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 CATHERINE ST GARDNER MA 014402016, GARDNER, MA 01440-2016

Mortgage

Document Number	60482-82
Date	May 31, 2019
Book Page	060482/000082
Instrument	49476

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2049

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 28, 2017
Property Address	63 CATHERINE ST, GARDNER, MA 01440-2016
Document Number	57807-218
Book / Page	057807 / 000218
Instrument Date	Sep 26, 2017
Instrument	7705
Transaction Type	Transfer
Record Updated	Oct 17, 2017

Transaction

Amount	Amount Recorded
Tax	$741.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 CATHERINE ST GARDNER MA 014402016, GARDNER, MA 01440-2016

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	$5,001.00 (+10,318.75%)	$363,200 (+7.08%) Land $68,500 Building $294,700	$385,090 (+17.33%)
2025	$48.00 (-98.96%)	$339,200 (+10.17%) Land $62,200 Building $277,000	$328,225
2024	$4,615.00 (+1.43%)	$307,900 (+9.15%) Land $56,600 Building $251,300
2023	$4,550.00	$282,100 Land $55,800 Building $226,300

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 244 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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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