976 Pearl St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 976 Pearl St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,449 sqft · built 2008
Lot Size	0.614 acres (26,730 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Mar 2019)
Tax Bill	$6,407 (2026)
Deeds & Mortgages	Mar 2019 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:X37 B:2 L:3`

Property Details

APN / Parcel Number

Primary APN	`GARD M:X37 B:2 L:3`
Alternative APN	`M:X-37 B:0062 L:0003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,449 sqft Living Area
Gross Area	4,945 sqft
Basement Area	1,404 sqft
Unfinished Basement	1,404 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,730 sqft (0.614 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	976 PEARL ST
City	GARDNER
State	MA
Zip	01440-1751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	2
Legal Lot Number	3
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1006
Census Tract	707500

Owner

976 Pearl St is owned and occupied by an individual who bought it in March 2019.

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

Owner of Record	Individual Name on File
Mailing Address	976 PEARL ST, GARDNER, MA 01440-1751
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
Mar 29, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage E MORTGAGE MANAGEMENT LLC
Jun 27, 2017	Quit Claim Deed, Transfer VILLAGE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2019 · Amount on File
Deed Sale	Mar 29, 2019 · Amount on File
Prior Sale	Jun 27, 2017 · Amount on File
Deed Book / Page	60214 / 198
Record Updated	Oct 29, 2026

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 29, 2019
Property Address	976 PEARL ST, GARDNER, MA 01440-1751
Document Number	60214-198
Book / Page	60214 / 198
Instrument Date	Mar 29, 2019
Instrument	27811
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 PEARL ST, GARDNER, MA 01440-1751
Investor	Possibly a Property Investor

Mortgage

Document Number	27812
Date	Mar 29, 2019
Instrument	27812

Lender

Name	E MORTGAGE MANAGEMENT LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 27, 2017
Property Address	976 PEARL ST, GARDNER, MA 01440-1751
Document Number	57320-336
Book / Page	57320 / 336
Instrument	66644
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49.83
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 PEARL ST, GARDNER, MA 01440-1751

Mortgage

Document Number	573200339
Date	Jun 27, 2017
Instrument	57320/0339

Lender

Name	VILLAGE MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 976 Pearl St was $6,407, up 10,069.8% 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	$6,407.00 (+10,069.84%)	$465,300 (+6.02%) Land $86,200 Building $379,100	$499,299 (+17.92%)
2025	$63.00 (-98.97%)	$438,900 (+7.39%) Land $78,300 Building $360,600	$423,415
2024	$6,126.00 (+1.49%)	$408,700 (+9.22%) Land $71,300 Building $337,400
2023	$6,036.00	$374,200 Land $70,200 Building $304,000

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

Flood

FEMA maps place 976 Pearl 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 976 Pearl 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	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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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