76 Baker St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 76 Baker St, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,165 sqft · built 1900
Lot Size	0.125 acres (5,450 sqft)
Owner	Individual Name on File
Last Sale	$152,000 (Mar 2017)
Tax Bill	$40 (2025)
Deeds & Mortgages	Oct 2024 Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M22 B:14 L:7`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M22 B:14 L:7`
Alternative APN	`M:N-22 B:0009 L:0007`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,165 sqft Living Area
Gross Area	2,146 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	5,450 sqft (0.125 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	76 BAKER ST
City	GARDNER
State	MA
Zip	01440-2912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	14
Legal Lot Number	7
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1006
Census Tract	707300

Owner

Source: Worcester County and Gardner City records · APN GARD M:M22 B:14 L:7

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	Individual Name on File
Mailing Address	76 BAKER ST, GARDNER, MA 01440-2912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 17, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Mar 31, 2017	Quit Claim Deed, Transfer · FHA Mortgage VILLAGE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 31, 2017 · Amount on Record
Deed Sale	Mar 31, 2017 · Amount on Record
Prior Sale	Oct 14, 2011 · Amount on Record
Deed Book / Page	56924 / 3
Record Updated	Jun 08, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	76 BAKER ST, GARDNER, MA 01440-2912
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071223-90
Date	Oct 30, 2024
Book Page	71223/90
Instrument	89545

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2054

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	76 BAKER ST, GARDNER, MA 01440-2912
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068364-64
Date	Oct 17, 2022
Book Page	68364/64
Instrument	112830

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Nov 01, 2047

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 31, 2017
Property Address	76 BAKER ST, GARDNER, MA 01440-2912
Document Number	56924-3
Book / Page	56924 / 3
Instrument	32531
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$28.73
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	569240006
Date	Mar 31, 2017
Instrument	56924/0006

Lender

Name	VILLAGE MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 31, 2047

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	$40.00 (-98.99%)	$284,400 (+7.12%) Land $65,900 Building $218,500	$276,355
2024	$3,980.00 (+2.84%)	$265,500 (+10.67%) Land $59,900 Building $205,600
2023	$3,870.00	$239,900 Land $59,000 Building $180,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 446 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Gateway Fiber Holdings	Fiber	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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