92 Baker St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 92 Baker St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,562 sqft · built 1910
Lot Size	0.236 acres (10,265 sqft)
Owner	Individual Name on File
Last Sale	$17,500 (Aug 1984)
Tax Bill	$4,036 (2026)
Deeds & Mortgages	Sep 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:N-22 B:0012 L:0010`

Property Details

APN / Parcel Number

Primary APN	`M:N-22 B:0012 L:0010`
Alternative APN	`GARD M:M22 B:14 L:10`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,562 sqft Living Area
Gross Area	3,105 sqft
Basement Area	983 sqft
Unfinished Basement	983 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,265 sqft (0.236 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	92 BAKER ST
City	GARDNER
State	MA
Zip	01440-2914
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	14
Legal Lot Number	10
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1006
Census Tract	707300

Owner

92 Baker St is owned and occupied by an individual who bought it in August 1984.

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

Owner of Record	Individual Name on File
Mailing Address	92 BAKER ST, GARDNER, MA 01440-2914
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 1984 · Amount on File
Deed Sale	Aug 6, 1984 · Amount on File
Deed Book / Page	8309 / 154
Record Updated	Oct 29, 2026

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 6, 2018
Property Address	92 BAKER ST, GARDNER, MA 01440-2914
Document Number	59365-304
Book / Page	059365 / 000304
Instrument Date	Aug 21, 2018
Instrument	94105
Transaction Type	Transfer
Record Updated	Sep 27, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 BAKER ST GARDNER MA 014402914, GARDNER, MA 01440-2914

Tax Assessment & Valuation

The 2026 property tax bill for 92 Baker St was $4,036, up 10,521.1% 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	$4,036.00 (+10,521.05%)	$293,100 (+8.31%) Land $75,600 Building $217,500	$324,238 (-8.82%)
2025	$38.00 (-99%)	$270,600 (+6.2%) Land $68,700 Building $201,900	$355,585
2024	$3,819.00 (+2.72%)	$254,800 (+10.54%) Land $62,400 Building $192,400
2023	$3,718.00	$230,500 Land $61,500 Building $169,000

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

Flood

FEMA maps place 92 Baker St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 92 Baker St is low, with 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 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 446 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20