88 Howard St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 88 Howard St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,305 sqft · built 1930
Lot Size	1.99 acres (87,007 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Mar 2016)
Tax Bill	$46 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:H42 B:11 L:1`

Property Details

APN / Parcel Number

Primary APN	`GARD M:H42 B:11 L:1`
Alternative APN	`M:H-42 B:0001 L:0001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,305 sqft Living Area
Gross Area	2,844 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,007 sqft (1.99 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	88 HOWARD ST
City	GARDNER
State	MA
Zip	01440-1210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	11
Legal Lot Number	1
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1003
Census Tract	707400

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	88 HOWARD ST, GARDNER, MA 01440-1210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Deed of Trust, Mortgage · Line of Credit GFA FEDERAL CREDIT UNION
Jan 28, 2022	Deed of Trust, Mortgage · Line of Credit GFA FEDERAL CREDIT UNION
Apr 23, 2019	Deed of Trust, Mortgage · Balloon Mortgage GFA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2016 · Amount on Record
Deed Sale	Mar 1, 2016 · Amount on Record
Prior Sale	Apr 14, 2015 · Amount on Record
Deed Book / Page	55002 / 204
Transfer Doc	55002-204
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	88 HOWARD ST, GARDNER, MA 01440-1210
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073152-143
Date	Feb 2, 2026
Book Page	73152/143
Instrument	8234

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2046

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	88 HOWARD ST, GARDNER, MA 01440-1210
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067027-199
Date	Jan 28, 2022
Book Page	67027/199
Instrument	11396

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2042

Interest

Rate Type	Adjustable Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	88 HOWARD ST, GARDNER, MA 01440-1210
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60304-370
Date	Apr 23, 2019
Book Page	60304/370
Instrument	35411

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2039

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	$46.00 (-99%)	$324,100 (+5.74%) Land $68,400 Building $255,700	$338,960
2024	$4,594.00 (+6.15%)	$306,500 (+14.24%) Land $62,500 Building $244,000
2023	$4,328.00	$268,300 Land $61,000 Building $207,300

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	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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