Worcester County and Gardner City property record for 89 Temple St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,832 sqft · built 1935 |
| Lot Size | 0.413 acres (18,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $452,000 (Jul 2026) |
| Tax Bill | $47 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jan 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R22 B:14 L:5 |
| Primary APN | GARD M:R22 B:14 L:5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,832 sqft Living Area |
| Gross Area | 3,361 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,000 sqft (0.413 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 89 TEMPLE ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2352 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | LAWRENCE ESTATE DEV |
| Legal Block | 14 |
| Legal Lot Number | 5 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City records · APN GARD M:R22 B:14 L:5
Assessment roll updated April 14, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 89 TEMPLE ST, GARDNER, MA 01440-2352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 28, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Jan 14, 2026 | Deed of Trust, Mortgage · Line of Credit CORNERSTONE BANK |
| Jun 30, 2017 | Deed of Trust, Mortgage ATHOL SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 28, 2026 · Amount on Record |
| Deed Sale | Jul 28, 2026 · Amount on Record |
| Prior Sale | Sep 23, 1999 · Amount on Record |
| Deed Document Number | 202664078 |
| Deed Book / Page | 73943 / 174 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 28, 2026 |
| Property Address | 89 TEMPLE ST, GARDNER, MA 01440-2352 |
| Document Number | 0000064078 |
| Book / Page | 73943 / 174 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 202664078 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 89 TEMPLE ST, GARDNER, MA 01440-2352 |
| Date | Jul 28, 2026 |
|---|
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 89 TEMPLE ST, GARDNER, MA 01440-2352 |
| Transaction Type | Mortgage |
| Record Updated | Feb 04, 2026 |
| Name | Verified Name |
|---|
| Document Number | 073082-390 |
|---|---|
| Date | Jan 14, 2026 |
| Book Page | 73082/390 |
| Instrument | 3207 |
| Name | CORNERSTONE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 01, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 89 TEMPLE ST, GARDNER, MA 01440-2352 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 57348-80 |
|---|---|
| Date | Jun 30, 2017 |
| Book Page | 57348/80 |
| Instrument | 68810 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Jun 01, 2037 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
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 | $47.00 (-99%) | $327,700 (+4.73%) Land $80,700 Building $247,000 | $437,475 |
| 2024 | $4,690.00 (+2.42%) | $312,900 (+10.21%) Land $73,400 Building $239,500 | |
| 2023 | $4,579.00 | $283,900 Land $72,300 Building $211,600 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), as of November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277075003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| 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 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.
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: Gateway Fiber Holdings, T-Mobile USA, Verizon.
Based on FCC filings for 215 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system MA2103000, 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 |
| 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.
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