Worcester County and Gardner City property record for 166 Cross St, Gardner, MA 01440
| Property Type | Religious, Church, Worship (Synagogue, Temple, Parsonage) |
|---|---|
| Details | 2 ba · 11,917 sqft · built 1900 |
| Lot Size | 1.19 acres (51,836 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Sep 2018) |
| Tax Bill | $6,726 (2018) |
| Deeds & Mortgages | Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R22 B:2 L:2 |
| Primary APN | GARD M:R22 B:2 L:2 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 11,917 sqft Garage |
| Basement Area | 5,589 sqft |
| Unfinished Basement | 5,589 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 51,836 sqft (1.19 acres) |
| Total Buildings | 2 Buildings |
| Heating System | Steam |
|---|
| Street Address | 166 CROSS ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2234 |
| Property Category | Other |
| Property Type | Other > Religious, Church, Worship (Synagogue, Temple, Parsonage) |
| Local Zoning Code | R1 |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 707200 |
166 Cross St is owned by two individuals who bought it in September 2018.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 126 DYER ST, GARDNER, MA 01440-3253 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2018 · Amount on File |
| Deed Sale | Sep 18, 2018 · Amount on File |
| Deed Book / Page | 59420 / 226 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Sep 18, 2018 |
| Property Address | 166 CROSS ST, GARDNER, MA 01440-2234 |
| Document Number | 59420-226 |
| Book / Page | 59420 / 226 |
| Instrument | 98683 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 594200231 |
|---|---|
| Date | Sep 18, 2018 |
| Instrument | 59420/0231 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
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 |
|---|---|---|
| 2026 | $843,600 (+3.17%) Land $108,000 Building $735,600 | |
| 2025 | $817,700 (+67.56%) Land $106,900 Building $710,800 | |
| 2024 | $488,000 Land $101,600 Building $386,400 | |
| 2018 | $6,726.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 166 Cross 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 166 Cross 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 388 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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