64 High St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 64 High St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,199 sqft · built 1860
Lot Size	0.303 acres (13,195 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Mar 2026)
Tax Bill	$3,843 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jan 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:T-13 B:0005 L:0018`

Property Details

APN / Parcel Number

Primary APN	`M:T-13 B:0005 L:0018`
Alternative APN	`GARD M:R12 B:10 L:18`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,199 sqft Living Area
Gross Area	3,900 sqft
Basement Area	1,054 sqft
Unfinished Basement	1,054 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,195 sqft (0.303 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	64 HIGH ST
City	GARDNER
State	MA
Zip	01440-3575
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	10
Legal Lot Number	18
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	Individual Name on Record
Mailing Address	10 MARLBORO ST, MAYNARD, MA 01754-2110
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Quit Claim Deed, Transfer · Conventional Mortgage MILESTONE MTG SOLUTIO
Jan 17, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Jul 20, 2018	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Sep 9, 2019	Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 3, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2026 · Amount on Record
Deed Sale	Mar 20, 2026 · Amount on Record
Prior Sale	Jan 17, 2023 · Amount on Record
Deed Book / Page	73339 / 352
Prior Transfer Date	Mar 11, 2026
Prior Transfer Doc	073339-352
Record Updated	Oct 29, 2026

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 20, 2026
Property Address	64 HIGH ST, GARDNER, MA 01440-3575
Document Number	073339-352
Book / Page	73339 / 352
Instrument Date	Mar 11, 2026
Instrument	21359
Transaction Type	Transfer
Record Updated	Apr 8, 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	10 MARLBORO ST, MAYNARD, MA 01754-2110

Mortgage

Document Number	0000021360
Date	Mar 20, 2026
Instrument	21360

Lender

Name	MILESTONE MTG SOLUTIO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 17, 2023
Property Address	64 HIGH ST, GARDNER, MA 01440-3575
Document Number	068724-175
Book / Page	68724 / 175
Instrument Date	Jan 13, 2023
Instrument	4207
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	64 HIGH ST, GARDNER, MA 01440-3575
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004208
Date	Jan 17, 2023
Instrument	4208

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	068724-203
Date	Jan 17, 2023
Book Page	68724/203
Instrument	4209

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2038

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	64 HIGH ST, GARDNER, MA 01440-3575
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59129-163
Date	Jul 20, 2018
Book Page	59129/163
Instrument	74199

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	144 Months
Due	Jul 1, 2030

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 9, 2019
Property Address	64 HIGH ST, GARDNER, MA 01440-3575
Document Number	61021-231
Book / Page	61021 / 231
Instrument Date	Sep 9, 2019
Instrument	92274
Transaction Type	Transfer
Record Updated	May 12, 2021

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	64 HIGH ST, GARDNER, MA 01440-3575

Mortgage

Document Number	92275
Date	Sep 9, 2019
Instrument	92275

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 3, 2018
Property Address	64 HIGH ST, GARDNER, MA 01440-3575
Document Number	59502-265
Book / Page	059502 / 000265
Instrument Date	Oct 3, 2018
Instrument	105345
Transaction Type	Transfer
Record Updated	Oct 23, 2018

Transaction

Amount	Amount Recorded
Tax	$456.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 HIGH ST GARDNER MA 014403575, GARDNER, MA 01440-3575

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	$3,843.00 (+11,202.94%)	$279,100 (+17.71%) Land $77,500 Building $201,600	$383,158
2025	$34.00 (-99.21%)	$237,100 (-17.79%) Land $70,400 Building $166,700
2024	$4,323.00 (+3.47%)	$288,400 (+11.35%) Land $64,100 Building $224,300
2023	$4,178.00	$259,000 Land $63,200 Building $195,800

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	Direct burnable vegetation

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

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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