Worcester County and Gardner City property record for 1 Emerald St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 601 sqft · built 1900 |
| Lot Size | 0.121 acres (5,285 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $50,000 (Dec 2018) |
| Tax Bill | $3,460 (2026) |
| Deeds & Mortgages | Aug 2024 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:20 L:55 |
| Primary APN | GARD M:M22 B:20 L:55 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 601 sqft Living Area |
| Gross Area | 1,122 sqft |
| Basement Area | 336 sqft |
| Unfinished Basement | 336 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,285 sqft (0.121 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 1 EMERALD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3494 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C2 |
| Legal Block | 20 |
| Legal Lot Number | 55 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 707300 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 259 GREEN RD, BOLTON, MA 01740-1044 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2018 · Amount on Record |
| Deed Sale | Dec 6, 2018 · Amount on Record |
| Prior Sale | May 13, 2016 · Amount on Record |
| Deed Book / Page | 59782 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 1 EMERALD ST, GARDNER, MA 01440-3494 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0070899-43 |
|---|---|
| Date | Aug 15, 2024 |
| Book Page | 70899/43 |
| Instrument | 65633 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
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 | $3,460.00 (+3.94%) | $251,300 (+8.41%) Land $72,300 Building $179,000 | $253,415 (+23.21%) |
| 2025 | $3,329.00 (+8.44%) | $231,800 (+13.18%) Land $65,800 Building $166,000 | $205,675 |
| 2024 | $3,070.00 (+2.78%) | $204,800 (+10.58%) Land $59,800 Building $145,000 | |
| 2023 | $2,987.00 | $185,200 Land $58,900 Building $126,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 446 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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