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117 Emerald St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 117 Emerald St, Gardner, MA 01440

Property Summary

Property TypeTriplex
Details9 bd · 3 ba · 3,024 sqft · built 1900
Lot Size0.174 acres (7,595 sqft)
OwnerIndividual Name on File
Last Sale$305,000 (Feb 2021)
Tax Bill$6,220 (2026)
Deeds & MortgagesJun 2025 Mortgage
Feb 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNM:O-20 B:0015 L:0023

Property Details

APN / Parcel Number

Primary APNM:O-20 B:0015 L:0023
Alternative APN
  • GARD M:M22 B:25 L:23

Interior

Bedrooms9 Beds
Full Baths3 Baths
Total Rooms15 Rooms
Units3 Units
Stories3 Stories
Building Area3,024 sqft Living Area
Gross Area5,208 sqft
Basement Area1,008 sqft
Unfinished Basement1,008 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleOther
Exterior MaterialAluminum/Vinyl
Roof TypeFlat
Roof MaterialOther
Lot Area7,595 sqft (0.174 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas

Location & Zoning

Street Address117 EMERALD ST
CityGARDNER
StateMA
Zip01440-3191
Property CategoryResidential
Property TypeResidential > Multi-Unit > Triplex
Local Zoning CodeR3
Legal Block25
Legal Lot Number23
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group3
Census Block3013
Census Tract707300

Owner

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

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

Owner of RecordIndividual Name on File
Mailing AddressPO BOX 235, ROSLINDALE, MA 02131-0002
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 6, 2025Deed of Trust, Mortgage · Conventional Mortgage
ARK-LA-TEX FINANCIAL SERVICES LLC
Feb 11, 2021Quit Claim Deed, Transfer · Stand-Alone First Mortgage
RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 11, 2021 · Amount on File
Deed SaleFeb 11, 2021 · Amount on File
Prior SaleNov 3, 2003 · Amount on File
Deed Document Number202119911
Deed Book / Page64439 / 3
Prior Transfer DateDec 16, 2020
Prior Transfer Doc64439-3
Record UpdatedOct 29, 2026

June 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Property Address117 EMERALD ST, GARDNER, MA 01440-3191
Transaction TypeMortgage
Record UpdatedNov 25, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number072087-304
DateJun 6, 2025
Book Page72087/304
Instrument45790
Lender
NameARK-LA-TEX FINANCIAL SERVICES LLC
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2055

February 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateFeb 11, 2021
Property Address117 EMERALD ST, GARDNER, MA 01440-3191
Document Number64439-3
Book / Page64439 / 3
Instrument DateDec 16, 2020
Instrument19911
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address117 EMERALD ST, GARDNER, MA 01440-3191

Mortgage

Document Number19912
DateFeb 11, 2021
Instrument19912
Lender
NameRESIDENTIAL MORTGAGE SERVICES
TypeMortgage Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$6,220.00 (+4.61%)$451,700 (+9.08%) Land $73,800 Building $377,900
2025$5,946.00 (+23.77%)$414,100 (+29.2%) Land $67,100 Building $347,000
2024$4,804.00 (+2.13%)$320,500 (+9.91%) Land $61,000 Building $259,500
2023$4,704.00$291,600 Land $60,100 Building $231,500

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemGARDNER WATER DEPARTMENT
serves 21,381 people · EPA ID MA2103000
Water SourceSurface water
Last State InspectionOct 2024
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 446 locations within half a mile, as of December 31, 2025

ProviderMax 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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