Worcester County and Gardner City property record for 98 Temple St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,346 sqft · built 1900 |
| Lot Size | 1.04 acres (45,302 sqft) |
| Owner | Individual Name on File |
| Last Sale | $155,000 (Mar 2014) |
| Tax Bill | $42 (2025) |
| Deeds & Mortgages | Mar 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:S-22 B:0011 L:0023 |
| Primary APN | M:S-22 B:0011 L:0023 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,346 sqft Living Area |
| Gross Area | 2,750 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 45,302 sqft (1.04 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 98 TEMPLE ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2353 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 14 |
| Legal Lot Number | 23 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City records · APN M:S-22 B:0011 L:0023
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 TEMPLE ST, GARDNER, MA 01440-2353 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 28, 2014 · Amount on Record |
| Deed Sale | Mar 28, 2014 · Amount on Record |
| Prior Sale | Sep 25, 2009 · Amount on Record |
| Deed Book / Page | 52167 / 160 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 98 TEMPLE ST, GARDNER, MA 01440-2353 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 067199-381 |
|---|---|
| Date | Mar 02, 2022 |
| Book Page | 67199/381 |
| Instrument | 23942 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 01, 2042 |
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 | $42.00 (-98.99%) | $297,900 (+6.93%) Land $93,200 Building $204,700 | $316,065 |
| 2024 | $4,176.00 (+1.66%) | $278,600 (+9.38%) Land $84,900 Building $193,700 | |
| 2023 | $4,108.00 | $254,700 Land $83,700 Building $171,000 |
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 215 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
May also be available at this address: Verizon, T-Mobile USA, Gateway Fiber Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G (outdoors only) and 4G LTE
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