82 School St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	7 bd · 2 ba · 2,298 sqft · built 1870
Lot Size	0.175 acres (7,619 sqft)
Owner	Individual Name on Record
Last Sale	$349,000 (Jun 2025)
Tax Bill	$5,127 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:2 L:22`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:2 L:22`
Alternative APN	`M:Q-25 B:0007 L:0013`

Interior

Bedrooms	7 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,298 sqft Living Area
Gross Area	3,685 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,619 sqft (0.175 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	82 SCHOOL ST
City	GARDNER
State	MA
Zip	01440-2229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	22
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2007
Census Tract	707200

Owner

Source: Worcester County and Gardner City records, as of April 14, 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 SCHOOL ST, GARDNER, MA 01440-2229
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FIDELITY COOPERATIVE BANK
Apr 6, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Oct 29, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 6, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2025 · Amount on Record
Deed Sale	Jun 11, 2025 · Amount on Record
Prior Sale	Apr 6, 2023 · Amount on Record
Deed Book / Page	72106 / 316
Record Updated	Jun 8, 2026

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 11, 2025
Property Address	82 SCHOOL ST, GARDNER, MA 01440-2229
Document Number	072106-316
Book / Page	72106 / 316
Instrument Date	Jun 11, 2025
Instrument	47134
Transaction Type	Transfer
Record Updated	Nov 19, 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 SCHOOL ST, GARDNER, MA 01440-2229

Mortgage

Document Number	0000047135
Date	Jun 11, 2025
Instrument	47135

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	072106-335
Date	Jun 11, 2025
Book Page	72106/335
Instrument	47136

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 6, 2023
Property Address	82 SCHOOL ST, GARDNER, MA 01440-2229
Document Number	068994-305
Book / Page	68994 / 305
Instrument Date	Apr 6, 2023
Instrument	26530
Transaction Type	Transfer
Record Updated	Nov 11, 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 SCHOOL ST, GARDNER, MA 01440-2229

Mortgage

Document Number	0000026533
Date	Apr 6, 2023
Instrument	26533

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 29, 2020
Property Address	82 SCHOOL ST, GARDNER, MA 01440-2229
Document Number	63619-152
Book / Page	063619 / 000152
Instrument Date	Oct 28, 2020
Instrument	130310
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,231.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 SCHOOL ST GARDNER MA 014402229, GARDNER, MA 01440-2229

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 6, 2017
Property Address	82 SCHOOL ST, GARDNER, MA 01440-2229
Document Number	56816-188
Book / Page	056816 / 000188
Instrument Date	Mar 6, 2017
Instrument	23065
Transaction Type	Transfer
Record Updated	Mar 28, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	50 ASH ST GARDNER MA 014402110, GARDNER, MA 01440-2110

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
2025	$5,127.00 (+0.53%)	$357,000 (+4.94%) Land $67,100 Building $289,900	$439,945
2024	$5,100.00 (+2.35%)	$340,200 (+10.13%) Land $61,000 Building $279,200
2023	$4,983.00	$308,900 Land $60,100 Building $248,800

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	1 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 388 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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