Worcester County and Gardner City property record for 98 Cherry St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,445 sqft · built 1921 |
| Lot Size | 0.245 acres (10,654 sqft) |
| Owner | Individual Name on File |
| Last Sale | $129,000 (Apr 2013) |
| Tax Bill | $40 (2025) |
| Deeds & Mortgages | Sep 2017 Line of Credit Jul 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:S-25 B:0006 L:0036 |
| Primary APN | M:S-25 B:0006 L:0036 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,445 sqft Living Area |
| Gross Area | 3,173 sqft |
| Year Built | Built 1921 |
|---|---|
| Effective Year Built | Effective 1921 |
| Architectural Style | Bungalow |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,654 sqft (0.245 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 98 CHERRY ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2361 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 24 |
| Legal Lot Number | 36 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City records · APN M:S-25 B:0006 L:0036
Assessment roll updated April 14, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 98 CHERRY ST, GARDNER, MA 01440-2361 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 01, 2017 | Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK |
| Jul 31, 2019 | Deed of Trust, Mortgage · Balloon Mortgage FIDELITY COOPERATIVE BANK |
| Nov 07, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 30, 2013 · Amount on Record |
| Deed Sale | Apr 30, 2013 · Amount on Record |
| Prior Sale | Apr 30, 2013 · Amount on Record |
| Deed Book / Page | 50817 / 37 |
| Transfer Doc | 59659-118 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 98 CHERRY ST, GARDNER, MA 01440-2361 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 57680-263 |
|---|---|
| Date | Sep 01, 2017 |
| Book Page | 57680/263 |
| Instrument | 96851 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 98 CHERRY ST, GARDNER, MA 01440-2361 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60799-365 |
|---|---|
| Date | Jul 31, 2019 |
| Book Page | 60799/365 |
| Instrument | 74977 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 01, 2039 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Nov 07, 2018 |
| Property Address | 98 CHERRY ST, GARDNER, MA 01440-2361 |
| Document Number | 59659-118 |
| Book / Page | 059659 / 000118 |
| Instrument Date | Nov 07, 2018 |
| Instrument | 118613 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 98 CHERRY ST GARDNER MA 014402361, GARDNER, MA 01440-2361 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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 | $40.00 (-99.01%) | $278,900 (+3.87%) Land $75,800 Building $203,100 | $344,375 |
| 2024 | $4,025.00 (+7.74%) | $268,500 (+15.93%) Land $68,900 Building $199,600 | |
| 2023 | $3,736.00 | $231,600 Land $67,900 Building $163,700 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277075003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 244 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 2,000 |
| Gateway Fiber Holdings | Fiber | 2,000 / 2,000 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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