1 Cross St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 1 Cross St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,406 sqft · built 1932
Lot Size	0.48 acres (20,921 sqft)
Owner	Company Name on Record
Last Sale	$217,000 (May 2015)
Tax Bill	$5,480 (2026)
Deeds & Mortgages	Mar 2021 Refinance Mar 2023 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:24 L:4`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:24 L:4`
Alternative APN	`M:S-25 B:0031 L:0004`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,406 sqft Living Area
Gross Area	4,577 sqft
Basement Area	972 sqft
Unfinished Basement	972 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,921 sqft (0.48 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	1 CROSS ST
City	GARDNER
State	MA
Zip	01440-2213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	4
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3008
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	Company Name on Record
Mailing Address	1 CROSS ST, GARDNER, MA 01440-2213
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Mar 22, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Apr 14, 2023	Quit Claim Deed, Transfer Quitclaim
Sep 4, 2018	Deed of Trust, Mortgage · Line of Credit AVIDIA BANK
Dec 19, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2015 · Amount on Record
Deed Sale	May 21, 2015 · Amount on Record
Prior Sale	Sep 5, 2008 · Amount on Record
Deed Book / Page	53746 / 387
Last Transfer Date	Apr 13, 2023
Transfer Doc	069020-185
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	1 CROSS ST, GARDNER, MA 01440-2213
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064746-316
Date	Mar 23, 2021
Book Page	64746/316
Instrument	39745

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	1 CROSS ST, GARDNER, MA 01440-2213
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068939-279
Date	Mar 22, 2023
Book Page	68939/279
Instrument	22159

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2043

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 14, 2023
Property Address	1 CROSS ST, GARDNER, MA 01440-2213
Document Number	069020-185
Book / Page	69020 / 185
Instrument Date	Apr 13, 2023
Instrument	28557
Transaction Type	Transfer
Record Updated	Apr 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CROSS ST, GARDNER, MA 01440-2213

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	1 CROSS ST, GARDNER, MA 01440-2213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59353-225
Date	Sep 4, 2018
Book Page	59353/225
Instrument	93007

Lender

Name	AVIDIA BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2038

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 19, 2018
Property Address	1 CROSS ST, GARDNER, MA 01440-2213
Document Number	59845-306
Book / Page	059845 / 000306
Instrument Date	Dec 13, 2018
Instrument	134516
Transaction Type	Transfer
Record Updated	Jan 8, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CROSS ST GARDNER MA 014402213, GARDNER, MA 01440-2213

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	$5,480.00 (+9,863.64%)	$398,000 (+3.78%) Land $82,600 Building $315,400	$456,941 (+27.04%)
2025	$55.00 (-99.03%)	$383,500 (+1.24%) Land $75,100 Building $308,400	$359,670
2024	$5,678.00 (+7.95%)	$378,800 (+16.16%) Land $68,300 Building $310,500
2023	$5,260.00	$326,100 Land $67,300 Building $258,800

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 · 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

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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