82 High St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,419 sqft · built 1895
Lot Size	0.241 acres (10,513 sqft)
Owner	Individual Name on Record
Last Sale	$80,850 (Jan 2026)
Tax Bill	$5,033 (2026)
Deeds & Mortgages	Sep 2021 Refinance Jan 2026 Sale & Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:T-13 B:0008 L:0021`

Property Details

APN / Parcel Number

Primary APN	`M:T-13 B:0008 L:0021`
Alternative APN	`GARD M:R12 B:10 L:15`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,419 sqft Living Area
Gross Area	3,606 sqft
Basement Area	951 sqft
Unfinished Basement	951 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,513 sqft (0.241 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	82 HIGH ST
City	GARDNER
State	MA
Zip	01440-3575
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	10
Legal Lot Number	15
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	82 HIGH ST, GARDNER, MA 01440-3575
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC
Jan 30, 2026	Warranty Deed, Transfer · Stand-Alone Second Mortgage BETTER MORTGAGE CORP
Aug 30, 2019	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2026 · Amount on Record
Deed Sale	Jan 30, 2026 · Amount on Record
Prior Sale	Aug 30, 2019 · Amount on Record
Deed Document Number	20267933
Deed Book / Page	73148 / 20
Prior Transfer Date	Jan 26, 2026
Prior Transfer Doc	0073148-20
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	82 HIGH ST, GARDNER, MA 01440-3575
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065977-324
Date	Sep 2, 2021
Book Page	65977/324
Instrument	123728

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 30, 2026
Property Address	82 HIGH ST, GARDNER, MA 01440-3575
Document Number	0073148-20
Book / Page	73148 / 20
Instrument Date	Jan 26, 2026
Instrument	7933
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 HIGH ST, GARDNER, MA 01440-3575

Mortgage

Document Number	0000007934
Date	Jan 30, 2026
Instrument	7934

Lender

Name	BETTER MORTGAGE CORP

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 30, 2019
Property Address	82 HIGH ST, GARDNER, MA 01440-3575
Document Number	60976-140
Book / Page	60976 / 140
Instrument Date	Aug 23, 2019
Instrument	88852
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	82 HIGH ST, GARDNER, MA 01440-3575

Mortgage

Document Number	88853
Date	Aug 30, 2019
Instrument	88853

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$5,033.00 (+10,385.42%)	$365,500 (+8.23%) Land $75,700 Building $289,800	$362,732 (+8.6%)
2025	$48.00 (-98.99%)	$337,700 (+6.13%) Land $68,800 Building $268,900	$334,020
2024	$4,770.00 (+3.16%)	$318,200 (+10.99%) Land $62,600 Building $255,600
2023	$4,624.00	$286,700 Land $61,700 Building $225,000

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

Nearby Properties on High St

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