Worcester County and Gardner City property record for 106 Emerald St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 3 ba · 1,663 sqft · built 1880 |
| Lot Size | 0.089 acres (3,895 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $287,000 (Dec 2021) |
| Tax Bill | $5,622 (2026) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:O-20 B:0009 L:0019 |
| Primary APN | M:O-20 B:0009 L:0019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,663 sqft Living Area |
| Gross Area | 2,960 sqft |
| Basement Area | 924 sqft |
| Unfinished Basement | 924 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 3,895 sqft (0.089 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 106 EMERALD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2951 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R3 |
| Legal Block | 25 |
| Legal Lot Number | 19 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3012 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 106 EMERALD ST, GARDNER, MA 01440-2951 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GFA FEDERAL CREDIT UNION |
| Aug 11, 2017 | Quit Claim Deed, Transfer · FHA Mortgage VILLAGE MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2021 · Amount on Record |
| Deed Sale | Dec 15, 2021 · Amount on Record |
| Prior Sale | Aug 11, 2017 · Amount on Record |
| Deed Book / Page | 66750 / 81 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 15, 2021 |
| Property Address | 106 EMERALD ST, GARDNER, MA 01440-2951 |
| Document Number | 0066750-81 |
| Book / Page | 66750 / 81 |
| Instrument Date | Dec 15, 2021 |
| Instrument | 175060 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 106 EMERALD ST, GARDNER, MA 01440-2951 |
| Document Number | 0000175061 |
|---|---|
| Date | Dec 15, 2021 |
| Instrument | 175061 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Aug 11, 2017 |
| Property Address | 106 EMERALD ST, GARDNER, MA 01440-2951 |
| Document Number | 57570-77 |
| Book / Page | 57570 / 77 |
| Instrument | 87593 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22.67 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 106 EMERALD ST, GARDNER, MA 01440-2951 |
| Document Number | 575700080 |
|---|---|
| Date | Aug 11, 2017 |
| Instrument | 57570/0080 |
| Name | VILLAGE MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 11, 2047 |
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 | $5,622.00 (+12,121.74%) | $408,300 (+27.24%) Land $66,800 Building $341,500 | $383,391 |
| 2025 | $46.00 (-99.04%) | $320,900 (+0.91%) Land $60,700 Building $260,200 | |
| 2024 | $4,767.00 (+8.66%) | $318,000 (+16.91%) Land $55,200 Building $262,800 | |
| 2023 | $4,387.00 | $272,000 Land $54,400 Building $217,600 |
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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