85 Prospect St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 85 Prospect St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,282 sqft · built 1930
Lot Size	0.369 acres (16,072 sqft)
Owner	Individual Name on File
Last Sale	$157,500 (Mar 2018)
Tax Bill	$37 (2025)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:9 L:1`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:9 L:1`
Alternative APN	`M:S-13 B:0033 L:0001`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,282 sqft Living Area
Gross Area	2,719 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asbestos
Lot Area	16,072 sqft (0.369 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	85 PROSPECT ST
City	GARDNER
State	MA
Zip	01440-3558
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	GREEN LAWN
Legal Block	9
Legal Lot Number	1
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1036
Census Tract	707100

Owner

Source: Worcester County and Gardner City records · APN GARD M:R12 B:9 L:1

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	85 PROSPECT ST, BALDWINVILLE, MA 01436-1336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 12, 2018 · Amount on Record
Deed Sale	Mar 12, 2018 · Amount on Record
Prior Sale	May 29, 1998 · Amount on Record
Deed Book / Page	58534 / 396
Transfer Doc	54394-111
Record Updated	Jun 08, 2026

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 12, 2018
Property Address	85 PROSPECT ST, GARDNER, MA 01440-3558
Document Number	58534-396
Book / Page	58534 / 396
Instrument	23331
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$28.42
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 PROSPECT ST, BALDWINVILLE, MA 01436-1336

Mortgage

Document Number	585350001
Date	Mar 12, 2018
Instrument	58535/0001

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2048

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$37.00 (-99.01%)	$263,900 (+5.98%) Land $72,200 Building $191,700	$297,255
2024	$3,733.00 (+7.09%)	$249,000 (+15.22%) Land $65,700 Building $183,300
2023	$3,486.00	$216,100 Land $64,800 Building $151,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Based on FCC filings for 237 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	GARDNER WATER DEPARTMENT serves 21,381 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.