84 Catherine St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 84 Catherine St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,130 sqft · built 1993
Lot Size	0.216 acres (9,402 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Nov 2021)
Tax Bill	$5,139 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:T-27 B:0002E L:0004E`

Property Details

APN / Parcel Number

Primary APN	`M:T-27 B:0002E L:0004E`
Alternative APN	`GARD M:R27 B:15 L:4E`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,130 sqft Living Area
Gross Area	2,474 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,402 sqft (0.216 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	84 CATHERINE ST
City	GARDNER
State	MA
Zip	01440-2017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	CHESTER E PULTOAK
Legal Block	15
Legal Lot Number	4E
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1023
Census Tract	707500

Owner

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	84 CATHERINE ST, GARDNER, MA 01440-2017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Deed of Trust, Mortgage · Commercial Mortgage MKC HOLDINGS LLC
Jul 10, 2026	Deed of Trust, Mortgage · Commercial Mortgage
Nov 1, 2021	Quit Claim Deed, Transfer · FHA Mortgage NATIONS LENDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2021 · Amount on Record
Deed Sale	Nov 1, 2021 · Amount on Record
Prior Sale	Aug 8, 2012
Deed Document Number	2021153610
Deed Book / Page	66432 / 273
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Jul 10, 2026
Property Address	84 CATHERINE ST, GARDNER, MA 01440-2017
Document Number	0000058042
Book / Page	73858 / 135
Instrument Date	Jul 10, 2026
Instrument	202658042
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 CATHERINE ST, GARDNER, MA 01440-2017

Mortgage

Document Number	0000058042,
Date	Jul 10, 2026
Book Page	73858/135
Instrument	202658042

Lender

Name	MKC HOLDINGS LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate	6.52%
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Jul 10, 2026
Property Address	84 CATHERINE ST, GARDNER, MA 01440-2017
Document Number	0000058043
Book / Page	73858 / 149
Instrument Date	Jul 10, 2026
Instrument	202658043
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 CATHERINE ST, GARDNER, MA 01440-2017

Mortgage

Document Number	0000058043,
Date	Jul 10, 2026
Book Page	73858/149
Instrument	202658043

Lender

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate	6.52%
Max Rate	-1%

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 1, 2021
Property Address	84 CATHERINE ST, GARDNER, MA 01440-2017
Document Number	66432-273
Book / Page	66432 / 273
Instrument Date	Nov 1, 2021
Instrument	153610
Transaction Type	Transfer
Record Updated	Nov 19, 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	84 CATHERINE ST, GARDNER, MA 01440-2017

Mortgage

Document Number	153611
Date	Nov 1, 2021
Instrument	153611

Lender

Name	NATIONS LENDING CORP
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	$5,139.00 (+2.57%)	$373,200 (+6.96%) Land $75,000 Building $298,200	$396,635 (+18.85%)
2025	$5,010.00 (+1.44%)	$348,900 (+5.89%) Land $68,200 Building $280,700	$333,735
2024	$4,939.00 (+3.37%)	$329,500 (+11.24%) Land $62,000 Building $267,500
2023	$4,778.00	$296,200 Land $61,100 Building $235,100

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 244 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

May also be available: Verizon.

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