102 Euclid St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 102 Euclid St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,272 sqft · built 1925
Lot Size	0.092 acres (4,000 sqft)
Owner	2 Trust Names on File
Last Sale	$52,000 (Jan 1985)
Tax Bill	$4,629 (2026)
Deeds & Mortgages	Jul 2026 Transfer Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:L-27 B:0011 L:0067`

Property Details

APN / Parcel Number

Primary APN	`M:L-27 B:0011 L:0067`
Alternative APN	`GARD M:M27 B:12 L:67`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,272 sqft Living Area
Gross Area	2,520 sqft
Basement Area	572 sqft
Unfinished Basement	572 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	4,000 sqft (0.092 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	102 EUCLID ST
City	GARDNER
State	MA
Zip	01440-1930
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	12
Legal Lot Number	67
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1035
Census Tract	707400

Owner

102 Euclid St is owner-occupied and held in a trust since April 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	102 EUCLID ST, GARDNER, MA 01440-1930
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Quit Claim Deed, Transfer Quitclaim
Dec 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 1985 · Amount on File
Deed Sale	Jan 23, 1985 · Amount on File
Deed Book / Page	8538 / 201
Last Transfer Date	Apr 15, 2026
Transfer Doc	0000059279
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 15, 2026
Property Address	102 EUCLID ST, GARDNER, MA 01440-1930
Document Number	0000059279
Book / Page	73875 / 264
Instrument Date	Apr 15, 2026
Instrument	202659279
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 EUCLID ST, GARDNER, MA 01440-1930

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	102 EUCLID ST, GARDNER, MA 01440-1930
Document Number	59922-277
Instrument Date	Dec 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 EUCLID ST GARDNER MA 014401930, GARDNER, MA 01440-1930

Mortgage

Document Number	59922-277
Date	Jan 10, 2019
Book Page	059922/000277
Instrument	2635

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 9, 2029

Tax Assessment & Valuation

The 2026 property tax bill for 102 Euclid St was $4,629, up 10,420.5% from the year before.

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	$4,629.00 (+10,420.45%)	$336,200 (+8.07%) Land $70,500 Building $265,700	$328,659 (-6.17%)
2025	$44.00 (-99%)	$311,100 (+6.43%) Land $64,100 Building $247,000	$350,265
2024	$4,382.00 (+2.86%)	$292,300 (+10.68%) Land $58,300 Building $234,000
2023	$4,260.00	$264,100 Land $57,400 Building $206,700

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

Flood

FEMA maps place 102 Euclid St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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

Wildfire risk around 102 Euclid 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.

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 380 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

Cell Coverage

5G (outdoors only) and 4G LTE

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