Worcester County and Gardner City property record for 109 Emerald St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,543 sqft · built 1910 |
| Lot Size | 0.173 acres (7,550 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $130,000 (Sep 2016) |
| Tax Bill | $4,455 (2026) |
| Deeds & Mortgages | Jun 2022 Mortgage Jul 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | M:O-20 B:0017 L:0025 |
| Primary APN | M:O-20 B:0017 L:0025 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,543 sqft Living Area |
| Gross Area | 2,833 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,550 sqft (0.173 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 109 EMERALD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2939 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Block | 25 |
| Legal Lot Number | 25 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3013 |
| 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 | 109 EMERALD ST, GARDNER, MA 01440-2939 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 23, 2022 | Deed of Trust, Mortgage · FHA Mortgage USA RURAL HOUSING |
| Jul 16, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2016 · Amount on Record |
| Deed Sale | Sep 22, 2016 · Amount on Record |
| Deed Document Number | 2016107045 |
| Deed Book / Page | 56008 / 158 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 109 EMERALD ST, GARDNER, MA 01440-2939 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 067792-181 |
|---|---|
| Date | Jun 23, 2022 |
| Book Page | 67792/181 |
| Instrument | 68235 |
| Name | USA RURAL HOUSING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Jul 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 16, 2018 |
| Property Address | 109 EMERALD ST, GARDNER, MA 01440-2939 |
| Document Number | 59098-180 |
| Book / Page | 059098 / 000180 |
| Instrument Date | Jul 15, 2018 |
| Instrument | 71411 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 EMERALD ST GARDNER MA 014402939, GARDNER, MA 01440-2939 |
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 | $4,455.00 (+10,507.14%) | $323,500 (+8.16%) Land $73,800 Building $249,700 | $328,513 (+27.56%) |
| 2025 | $42.00 (-99.02%) | $299,100 (+4.87%) Land $67,100 Building $232,000 | $257,545 |
| 2024 | $4,275.00 (+2.76%) | $285,200 (+10.59%) Land $61,000 Building $224,200 | |
| 2023 | $4,160.00 | $257,900 Land $60,100 Building $197,800 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures