82 Conant St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 82 Conant St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 955 sqft · built 1930
Lot Size	0.38 acres (16,534 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Oct 2021)
Tax Bill	$4,401 (2026)
Deeds & Mortgages	Dec 2022 Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R17 B:2 L:19`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R17 B:2 L:19`
Alternative APN	`M:Q-19 B:0005 L:0019`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	955 sqft Living Area
Gross Area	2,094 sqft
Basement Area	648 sqft
Unfinished Basement	648 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,534 sqft (0.38 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	82 CONANT ST
City	GARDNER
State	MA
Zip	01440-3116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	2
Legal Lot Number	19
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2013
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	82 CONANT ST, GARDNER, MA 01440-3116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2022	Deed of Trust, Mortgage · FHA Mortgage FIRST HOME MORTGAGE CORP
Oct 14, 2021	Quit Claim Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP
Dec 16, 2020	Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2021 · Amount on Record
Deed Sale	Oct 14, 2021 · Amount on Record
Prior Sale	Dec 30, 2016 · Amount on Record
Deed Book / Page	66297 / 82
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	82 CONANT ST, GARDNER, MA 01440-3116
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068565-255
Date	Dec 5, 2022
Book Page	68565/255
Instrument	128722

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2052

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 14, 2021
Property Address	82 CONANT ST, GARDNER, MA 01440-3116
Document Number	66297-82
Book / Page	66297 / 82
Instrument Date	Oct 14, 2021
Instrument	144676
Transaction Type	Transfer
Record Updated	Oct 29, 2021

Transaction

Amount	Amount Recorded
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	82 CONANT ST, GARDNER, MA 01440-3116

Mortgage

Document Number	144677
Date	Oct 14, 2021
Instrument	144677

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0066297-98
Date	Oct 14, 2021
Book Page	66297/98
Instrument	144678

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	82 CONANT ST, GARDNER, MA 01440-3116
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63996-88
Date	Dec 16, 2020
Book Page	63996/88
Instrument	156539

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$4,401.00 (+9,902.27%)	$319,600 (+2.3%) Land $79,700 Building $239,900	$321,514 (+9.99%)
2025	$44.00 (-99.01%)	$312,400 (+5.68%) Land $72,500 Building $239,900	$292,315
2024	$4,431.00 (+7.99%)	$295,600 (+16.19%) Land $65,900 Building $229,700
2023	$4,103.00	$254,400 Land $65,000 Building $189,400

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber, Verizon.

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