96 Pearly Ln, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 96 Pearly Ln, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,560 sqft · built 1995
Lot Size	0.519 acres (22,590 sqft)
Owner	2 Individual Names on File
Last Sale	$224,900 (Apr 2003)
Tax Bill	$5,620 (2026)
Deeds & Mortgages	Sep 2022 Refinance Jul 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W32 B:3 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W32 B:3 L:2`
Alternative APN	`M:X-35 B:0037 L:0002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
Gross Area	2,536 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,590 sqft (0.519 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	96 PEARLY LN
City	GARDNER
State	MA
Zip	01440-1736
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	PEARLY LANE
Legal Block	3
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1006
Census Tract	707500

Owner

96 Pearly Ln is owned and occupied by two individuals who bought it in April 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	96 PEARLY LN, GARDNER, MA 01440-1736
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
Sep 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ATHOL CU
Jul 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ATHOL CU
Feb 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2003 · Amount on File
Deed Sale	Apr 25, 2003 · Amount on File
Prior Sale	Nov 27, 1995 · Amount on File
Deed Book / Page	29800 / 245
Transfer Doc	0000179659
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	96 PEARLY LN, GARDNER, MA 01440-1736
Transaction Type	Mortgage
Record Updated	Oct 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068237-331
Date	Sep 20, 2022
Book Page	68237/331
Instrument	102982

Lender

Name	ATHOL CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	96 PEARLY LN, GARDNER, MA 01440-1736
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065688-119
Date	Jul 26, 2021
Book Page	65688/119
Instrument	103696

Lender

Name	ATHOL CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	96 PEARLY LN, GARDNER, MA 01440-1736
Transaction Type	Mortgage
Record Updated	Feb 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64390-29
Date	Feb 3, 2021
Book Page	64390/29
Instrument	16469

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 96 Pearly Ln was $5,620, up 10,919.6% 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	$5,620.00 (+10,919.61%)	$408,100 (+14.06%) Land $83,600 Building $324,500	$430,157 (+13.83%)
2025	$51.00 (-99.04%)	$357,800 (+1.25%) Land $76,000 Building $281,800	$377,910
2024	$5,297.00 (+6.86%)	$353,400 (+15%) Land $69,100 Building $284,300
2023	$4,957.00	$307,300 Land $68,100 Building $239,200

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

Flood

FEMA maps place 96 Pearly Ln 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 96 Pearly Ln 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	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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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