Worcester County and Gardner City property record for 19 Emerald St, Gardner, MA 01440
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 8 bd · 4 ba · 2,400 sqft · built 1900 |
| Lot Size | 0.078 acres (3,399 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $65,000 (Dec 1986) |
| Tax Bill | $4,383 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:O-21 B:0029 L:0052 |
| Primary APN | M:O-21 B:0029 L:0052 |
|---|---|
| Alternative APN |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 16 Rooms |
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 2,400 sqft Living Area |
| Gross Area | 4,500 sqft |
| Basement Area | 1,200 sqft |
| Unfinished Basement | 1,200 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Other |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 3,399 sqft (0.078 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 19 EMERALD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2975 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | R1 |
| Legal Block | 20 |
| Legal Lot Number | 52 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 707300 |
Source: Worcester County and Gardner City records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 165 RYAN ST, GARDNER, MA 01440-1523 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 1986 · Amount on Record |
| Deed Sale | Dec 30, 1986 · Amount on Record |
| Record Updated | Oct 29, 2026 |
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 | $4,383.00 (+10,857.5%) | $318,300 (+13.96%) Land $69,500 Building $248,800 |
| 2025 | $40.00 (-98.88%) | $279,300 (+17.7%) Land $63,100 Building $216,200 |
| 2024 | $3,557.00 (+0.14%) | $237,300 (+7.77%) Land $57,400 Building $179,900 |
| 2023 | $3,552.00 | $220,200 Land $56,600 Building $163,600 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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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