Worcester County and Gardner City property record for 99 Pearl St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,288 sqft · built 1867 |
| Lot Size | 0.401 acres (17,456 sqft) |
| Owner | Trust Name on File |
| Last Sale | $125,500 (Apr 1999) |
| Tax Bill | $5,073 (2026) |
| Deeds & Mortgages | Apr 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R27 B:18 L:2 |
| Primary APN | GARD M:R27 B:18 L:2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,288 sqft Living Area |
| Gross Area | 4,412 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Year Built | Built 1867 |
|---|---|
| Effective Year Built | Effective 1867 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 17,456 sqft (0.401 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 99 PEARL ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 18 |
| Legal Lot Number | 2 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 707500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Gardner Uptown Historic District listed 1999 · 88 contributing resources · NRIS 99000660 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
99 Pearl St is owner-occupied and held in a trust since December 2025.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 99 PEARL ST, GARDNER, MA 01440-2311 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 1999 · Amount on File |
| Deed Sale | Apr 21, 1999 · Amount on File |
| Deed Document Number | 1999 |
| Deed Book / Page | 21290 / 95 |
| Last Transfer Date | Dec 11, 2025 |
| Transfer Doc | 0073404-85 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 3, 2026 |
| Property Address | 99 PEARL ST, GARDNER, MA 01440-2311 |
| Document Number | 0073404-85 |
| Book / Page | 73404 / 85 |
| Instrument Date | Dec 11, 2025 |
| Instrument | 202625716 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 99 PEARL ST, GARDNER, MA 01440-2311 |
The 2026 property tax bill for 99 Pearl St was $5,073, up 10,468.8% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,073.00 (+10,468.75%) | $368,400 (+8.23%) Land $80,300 Building $288,100 | $407,519 (-7.65%) |
| 2025 | $48.00 (-99.03%) | $340,400 (+3.15%) Land $73,000 Building $267,400 | $441,275 |
| 2024 | $4,947.00 (+2.19%) | $330,000 (+9.96%) Land $66,400 Building $263,600 | |
| 2023 | $4,841.00 | $300,100 Land $65,500 Building $234,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 99 Pearl St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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.
Wildfire risk around 99 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 388 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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