99 Catherine St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 99 Catherine St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,145 sqft · built 1993
Lot Size	0.337 acres (14,700 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,713 (2026)
Deeds & Mortgages	Apr 2024 Refinance Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:10 L:4`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:10 L:4`
Alternative APN	`M:T-28 B:0004 L:0004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,145 sqft Living Area
Gross Area	2,393 sqft
Basement Area	552 sqft
Unfinished Basement	552 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,700 sqft (0.337 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	99 CATHERINE ST
City	GARDNER
State	MA
Zip	01440-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	10
Legal Lot Number	4
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1022
Census Tract	707500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	99 CATHERINE ST, GARDNER, MA 01440-2016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Oct 28, 2021	Deed of Trust, Mortgage · VA Mortgage GLOBAL EQUITY FINANCE INC
Feb 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND
Jul 19, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	99 CATHERINE ST, GARDNER, MA 01440-2016
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070442-128
Date	Apr 29, 2024
Book Page	70442/128
Instrument	30760

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	99 CATHERINE ST, GARDNER, MA 01440-2016
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66402-329
Date	Oct 28, 2021
Book Page	66402/329
Instrument	151720

Lender

Name	GLOBAL EQUITY FINANCE INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	99 CATHERINE ST, GARDNER, MA 01440-2016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61956-274
Date	Feb 27, 2020
Book Page	61956/274
Instrument	20530

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2035

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	99 CATHERINE ST, GARDNER, MA 01440-2016
Document Number	59131-105
Instrument Date	Jul 19, 2018
Transaction Type	Mortgage
Record Updated	Aug 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 CATHERINE ST GARDNER MA 014402016, GARDNER, MA 01440-2016

Mortgage

Document Number	59131-105
Date	Jul 20, 2018
Book Page	059131/000105
Instrument	74336

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$4,713.00 (+10,373.33%)	$342,300 (+7.14%) Land $70,700 Building $271,600	$346,337 (+10.07%)
2025	$45.00 (-99%)	$319,500 (+6.96%) Land $64,200 Building $255,300	$314,640
2024	$4,478.00 (+3.71%)	$298,700 (+11.58%) Land $58,400 Building $240,300
2023	$4,318.00	$267,700 Land $57,600 Building $210,100

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

Flood

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

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 244 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

May also be available: Verizon.

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