78 Temple St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 78 Temple St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,411 sqft · built 1923
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on Record
Tax Bill	$3,770 (2026)
Deeds & Mortgages	May 2021 Mortgage Jan 2022 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`M:S-22 B:0009 L:0020`

Property Details

APN / Parcel Number

Primary APN	`M:S-22 B:0009 L:0020`
Alternative APN	`GARD M:R22 B:14 L:20`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,411 sqft Living Area
Gross Area	2,684 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	78 TEMPLE ST
City	GARDNER
State	MA
Zip	01440-2353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	14
Legal Lot Number	20
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3006
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	78 TEMPLE ST, GARDNER, MA 01440-2353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Jan 4, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance STEARNS LENDING INC
Mar 25, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Nov 3, 2025	Deed of Trust, Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 17, 2023	Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage WORCESTER CMNTY HSNG RSRCS
Apr 12, 2018	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2023
Deed Sale	Aug 17, 2023
Prior Sale	May 26, 2016 · Amount on Record
Deed Book / Page	69530 / 242
Prior Transfer Date	Jul 24, 2023
Prior Transfer Doc	069530-242
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	78 TEMPLE ST, GARDNER, MA 01440-2353
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065227-379
Date	May 24, 2021
Book Page	65227/379
Instrument	71369

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Jun 1, 2048

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	78 TEMPLE ST, GARDNER, MA 01440-2353
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066882-147
Date	Jan 4, 2022
Book Page	66882/147
Instrument	202200000754

Lender

Name	STEARNS LENDING INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	78 TEMPLE ST, GARDNER, MA 01440-2353
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070321-96
Date	Mar 25, 2024
Book Page	70321/96
Instrument	21227

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	78 TEMPLE ST, GARDNER, MA 01440-2353
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072772-348
Date	Nov 3, 2025
Book Page	72772/348
Instrument	95568

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	349 Months
Due	Dec 1, 2054

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 17, 2023
Property Address	78 TEMPLE ST, GARDNER, MA 01440-2353
Document Number	069530-242
Book / Page	69530 / 242
Instrument Date	Jul 24, 2023
Instrument	67751
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 TEMPLE ST, GARDNER, MA 01440-2353
Investor	Possibly a Property Investor

Mortgage

Document Number	0000067752
Date	Aug 17, 2023
Instrument	67752

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2048

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	78 TEMPLE ST, GARDNER, MA 01440-2353
Document Number	62526-148
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 TEMPLE ST GARDNER MA 014402353, GARDNER, MA 01440-2353

Mortgage

Document Number	62526-148
Date	Jun 3, 2020
Book Page	062526/000148
Instrument	57757

Lender

Name	WORCESTER CMNTY HSNG RSRCS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	78 TEMPLE ST, GARDNER, MA 01440-2353
Document Number	58673-239
Instrument Date	Apr 12, 2018
Transaction Type	Mortgage
Record Updated	May 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58673-239
Date	Apr 17, 2018
Book Page	058673/000239
Instrument	35490

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2048

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	$3,770.00 (+0.16%)	$273,800 (+4.46%) Land $80,100 Building $193,700	$326,245 (+18.79%)
2025	$3,764.00 (+0.99%)	$262,100 (+5.43%) Land $72,800 Building $189,300	$274,645
2024	$3,727.00 (+6.91%)	$248,600 (+15.04%) Land $66,200 Building $182,400
2023	$3,486.00	$216,100 Land $65,200 Building $150,900

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

Nearby Properties on Temple St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures