89 Racette Ave, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 89 Racette Ave, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,555 sqft · built 1960
Lot Size	0.367 acres (16,000 sqft)
Owner	Individual Name on File
Last Sale	$154,000 (Nov 2013)
Tax Bill	$4,802 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:3 L:5`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:3 L:5`
Alternative APN	`M:M-29 B:0019 L:0005`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,555 sqft Living Area
Gross Area	2,802 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,000 sqft (0.367 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	89 RACETTE AVE
City	GARDNER
State	MA
Zip	01440-1917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	3
Legal Lot Number	5
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1027
Census Tract	707400

Owner

89 Racette Ave is owned and occupied by an individual who bought it in November 2013.

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

Owner of Record	Individual Name on File
Mailing Address	89 RACETTE AVE, GARDNER, MA 01440-1917
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · ARM CENTRAL ONE FEDERAL CREDIT UNION
Nov 18, 2025	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FCU
Oct 10, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CENTRAL ONE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2013 · Amount on File
Deed Sale	Nov 1, 2013 · Amount on File
Prior Sale	Nov 1, 2013 · Amount on File
Deed Book / Page	51697 / 181
Transfer Doc	051697-181
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	89 RACETTE AVE, GARDNER, MA 01440-1917
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067032-200
Date	Jan 31, 2022
Book Page	67032/200
Instrument	11792

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.88%
Type Change Date	Feb 1, 2027
Index	1-Year CMT

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	89 RACETTE AVE, GARDNER, MA 01440-1917
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072840-189
Date	Nov 18, 2025
Book Page	72840/189
Instrument	100335

Lender

Name	CENTRAL ONE FCU

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	89 RACETTE AVE, GARDNER, MA 01440-1917
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071137-298
Date	Oct 10, 2024
Book Page	71137/298
Instrument	83166

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2039

Tax Assessment & Valuation

The 2026 property tax bill for 89 Racette Ave was $4,802, down 0.2% from the year before.

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	$4,802.00 (-0.19%)	$348,700 (+4.09%) Land $87,300 Building $261,400	$397,099 (+14.43%)
2025	$4,811.00 (-1.03%)	$335,000 (+3.3%) Land $79,400 Building $255,600	$347,035
2024	$4,861.00 (+17.87%)	$324,300 (+26.83%) Land $72,200 Building $252,100
2023	$4,124.00	$255,700 Land $71,200 Building $184,500

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

Flood

FEMA maps place 89 Racette Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 89 Racette Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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.

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 272 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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