82 Prospect St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,253 sqft · built 1950
Lot Size	0.123 acres (5,362 sqft)
Owner	Individual Name on Record
Last Sale	$349,900 (Apr 2025)
Tax Bill	$4,036 (2026)
Deeds & Mortgages	Jun 2021 Refinance Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:9 L:26`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:9 L:26`
Alternative APN	`M:S-13 B:0008 L:0026`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,253 sqft Living Area
Gross Area	2,736 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,362 sqft (0.123 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	82 PROSPECT ST
City	GARDNER
State	MA
Zip	01440-3559
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	9
Legal Lot Number	26
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1039
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 PROSPECT ST, GARDNER, MA 01440-3559
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Nov 4, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIBANK NA
Apr 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2025 · Amount on Record
Deed Sale	Apr 7, 2025 · Amount on Record
Prior Sale	Nov 4, 2022 · Amount on Record
Deed Book / Page	71829 / 191
Prior Transfer Date	Mar 31, 2025
Prior Transfer Doc	071829-191
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	82 PROSPECT ST, GARDNER, MA 01440-3559
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065407-97
Date	Jun 17, 2021
Book Page	65407/97
Instrument	83846

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2041

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 4, 2022
Property Address	82 PROSPECT ST, GARDNER, MA 01440-3559
Document Number	068447-272
Book / Page	68447 / 272
Instrument Date	Nov 4, 2022
Instrument	119310
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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 PROSPECT ST, GARDNER, MA 01440-3559

Mortgage

Document Number	0000119311
Date	Nov 4, 2022
Instrument	119311

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	82 PROSPECT ST, BALDWINVILLE, MA 01436-1337
Document Number	58663-257
Instrument Date	Apr 6, 2018
Transaction Type	Mortgage
Record Updated	May 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58663-257
Date	Apr 13, 2018
Book Page	058663/000257
Instrument	34614

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 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	$4,036.00 (+1.61%)	$293,100 (+5.97%) Land $72,400 Building $220,700	$327,938 (-3.92%)
2025	$3,972.00 (+1.25%)	$276,600 (+5.69%) Land $65,800 Building $210,800	$341,335
2024	$3,923.00 (+8.34%)	$261,700 (+16.57%) Land $59,800 Building $201,900
2023	$3,621.00	$224,500 Land $58,900 Building $165,600

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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