Worcester County and Gardner City property record for 149 Cross St, Gardner, MA 01440
| Property Type | Triplex |
|---|---|
| Details | 6 bd · 3 ba · 2,648 sqft · built 1900 |
| Lot Size | 0.173 acres (7,548 sqft) |
| Owner | Individual Name on File |
| Last Sale | $512,500 (Jun 2026) |
| Tax Bill | $58 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R22 B:2 L:11 |
| Primary APN | GARD M:R22 B:2 L:11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 14 Rooms |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 2,648 sqft Living Area |
| Gross Area | 4,673 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 7,548 sqft (0.173 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 149 CROSS ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2275 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Subdivision | RALPH D COFFIN |
| Legal Block | 2 |
| Legal Lot Number | 11 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 707200 |
Source: Worcester County and Gardner City records · APN GARD M:R22 B:2 L:11
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 149 CROSS ST, GARDNER, MA 01440-2275 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Person |
| Date | Document |
|---|---|
| Jun 02, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Oct 08, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FIDELITY COOPERATIVE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 02, 2026 · Amount on Record |
| Deed Sale | Jun 02, 2026 · Amount on Record |
| Prior Sale | Sep 30, 2024 · Amount on Record |
| Deed Document Number | 202644184 |
| Deed Book / Page | 73663 / 181 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 02, 2026 |
| Property Address | 149 CROSS ST, GARDNER, MA 01440-2275 |
| Document Number | 073663-181 |
| Book / Page | 73663 / 181 |
| Instrument Date | May 18, 2026 |
| Instrument | 202644184 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 149 CROSS ST, GARDNER, MA 01440-2275 |
| Date | Jun 02, 2026 |
|---|
| Name | PLAZA HOME MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 08, 2020 |
| Property Address | 149 CROSS ST, GARDNER, MA 01440-2275 |
| Document Number | 63448-281 |
| Book / Page | 63448 / 281 |
| Instrument Date | Sep 07, 2020 |
| Instrument | 118975 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 386 DUDLEY RD, TEMPLETON, MA 01468-1212 |
| Document Number | 118976 |
|---|---|
| Date | Oct 08, 2020 |
| Instrument | 118976 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $58.00 (-98.77%) | $409,600 (+30.11%) Land $67,100 Building $342,500 |
| 2024 | $4,719.00 (+4.33%) | $314,800 (+12.27%) Land $61,000 Building $253,800 |
| 2023 | $4,523.00 | $280,400 Land $60,100 Building $220,300 |
Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Holdings Fiber | 2,000 / 2,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 388 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARDNER WATER DEPARTMENT serves 21,381 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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