64 Prospect St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,800 sqft · built 1900
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Company Names on File
Last Sale	$91,512 (Jun 2012)
Tax Bill	$44 (2025)
Deeds & Mortgages	Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:9 L:12`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:9 L:12`
Alternative APN	`M:S-13 B:0006 L:0012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,800 sqft Living Area
Gross Area	3,774 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,988 sqft (0.39 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	64 PROSPECT ST
City	GARDNER
State	MA
Zip	01440-3538
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	9
Legal Lot Number	12
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1033
Census Tract	707100

Owner

Source: Worcester County and Gardner City records · APN GARD M:R12 B:9 L:12

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	64 PROSPECT ST, GARDNER, MA 01440-3538
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 20, 2012 · Amount on Record
Deed Sale	Jun 20, 2012 · Amount on Record
Prior Sale	Dec 19, 2011 · Amount on Record
Last Transfer Date	Sep 12, 2024
Transfer Doc	071018-212
Record Updated	Jun 08, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	64 PROSPECT ST, GARDNER, MA 01440-3538
Document Number	56747-243
Book / Page	056747 / 000243
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	Mar 07, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56747-243
Date	Feb 15, 2017
Book Page	056747/000243
Instrument	16795

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 14, 2037

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$44.00 (-99.01%)	$308,700 (+4.26%) Land $72,800 Building $235,900	$367,745
2024	$4,439.00 (+2.42%)	$296,100 (+10.2%) Land $66,200 Building $229,900
2023	$4,334.00	$268,700 Land $65,200 Building $203,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), as of November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277071001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Verizon.

Based on FCC filings for 252 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MA2103000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	GARDNER WATER DEPARTMENT serves 21,381 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.