156 Euclid St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 156 Euclid St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1953
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Aug 2025)
Tax Bill	$4,417 (2026)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:7 L:33`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:7 L:33`
Alternative APN	`M:L-28 B:0019 L:0033`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Gross Area	2,435 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	156 EUCLID ST
City	GARDNER
State	MA
Zip	01440-1930
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	7
Legal Lot Number	33
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1035
Census Tract	707400

Owner

156 Euclid St is owned and occupied by two individuals who bought it in August 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	156 EUCLID ST, GARDNER, MA 01440-1930
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 29, 2025	Quit Claim Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Mar 17, 2017	Deed of Trust, Mortgage GFA FEDERAL CREDIT UNION
Nov 30, 2017	Quit Claim Deed, Transfer GFA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2025 · Amount on File
Deed Sale	Aug 29, 2025 · Amount on File
Prior Sale	Nov 30, 2017 · Amount on File
Deed Document Number	202573719
Deed Book / Page	72468 / 325
Record Updated	Oct 29, 2026

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 29, 2025
Property Address	156 EUCLID ST, GARDNER, MA 01440-1930
Document Number	072468-325
Book / Page	72468 / 325
Instrument Date	Aug 29, 2025
Instrument	73719
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	156 EUCLID ST, GARDNER, MA 01440-1930

Mortgage

Document Number	0000073720
Date	Aug 29, 2025
Instrument	73720

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Mortgage

Document Number	072468-350
Date	Aug 29, 2025
Book Page	72468/350
Instrument	73721

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2040

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	156 EUCLID ST, GARDNER, MA 01440-1930
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56861-75
Date	Mar 17, 2017
Book Page	56861/75
Instrument	27266

Lender

Name	GFA FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2027

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 30, 2017
Property Address	156 EUCLID ST, GARDNER, MA 01440-1930
Document Number	58114-123
Book / Page	58114 / 123
Instrument	133659
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30.35
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	156 EUCLID ST, GARDNER, MA 01440-1930

Mortgage

Document Number	581140127
Date	Nov 30, 2017
Instrument	58114/0127

Lender

Name	GFA FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 30, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 156 Euclid St was $4,417, down 1.8% 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	$4,417.00 (-1.8%)	$320,800 (+2.43%) Land $73,800 Building $247,000	$371,756 (+19.82%)
2025	$4,498.00 (+1.65%)	$313,200 (+6.1%) Land $67,100 Building $246,100	$310,270
2024	$4,425.00 (+8.51%)	$295,200 (+16.77%) Land $61,000 Building $234,200
2023	$4,078.00	$252,800 Land $60,100 Building $192,700

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

Flood

FEMA maps place 156 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 156 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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