Worcester County and Gardner City property record for 16 Dublin St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,874 sqft · built 1900 |
| Lot Size | 0.292 acres (12,700 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,388 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage May 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:20 L:8 |
| Primary APN | GARD M:M22 B:20 L:8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,874 sqft Living Area |
| Gross Area | 4,704 sqft |
| Basement Area | 1,041 sqft |
| Unfinished Basement | 1,041 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,700 sqft (0.292 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 16 DUBLIN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2917 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 20 |
| Legal Lot Number | 8 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 707300 |
16 Dublin St is owned and occupied by an individual.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 16 DUBLIN ST, GARDNER, MA 01440-2917 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GLOBAL EQUITY FINANCE INC |
| May 11, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) WORKERS CU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 16 DUBLIN ST, GARDNER, MA 01440-2917 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0073185-89 |
|---|---|
| Date | Feb 10, 2026 |
| Book Page | 73185/89 |
| Instrument | 10757 |
| Name | GLOBAL EQUITY FINANCE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 16 DUBLIN ST, GARDNER, MA 01440-2917 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 067578-250 |
|---|---|
| Date | May 11, 2022 |
| Book Page | 67578/250 |
| Instrument | 51756 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jun 1, 2032 |
The 2026 property tax bill for 16 Dublin St was $4,388, up 3.7% from the year before.
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 | $4,388.00 (+3.74%) | $318,700 (+8.18%) Land $77,200 Building $241,500 | $357,306 (-8.84%) |
| 2025 | $4,230.00 (-0.14%) | $294,600 (+4.25%) Land $70,100 Building $224,500 | $391,970 |
| 2024 | $4,236.00 (+2.34%) | $282,600 (+10.13%) Land $63,800 Building $218,800 | |
| 2023 | $4,139.00 | $256,600 Land $62,900 Building $193,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Dublin St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 16 Dublin 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.
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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