Worcester County and Gardner City property record for 234 Cross St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2.5 ba · 2,452 sqft · built 1880 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Dec 2019) |
| Tax Bill | $44 (2025) |
| Deeds & Mortgages | Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R22 B:1 L:30 |
| Primary APN | GARD M:R22 B:1 L:30 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,452 sqft Living Area |
| Gross Area | 3,945 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Mansard |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 234 CROSS ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2236 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Block | 1 |
| Legal Lot Number | 30 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 707200 |
234 Cross St, a duplex, is owned and occupied by an individual who bought it in December 2019.
Source: Worcester County and Gardner City records, as of April 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 234 CROSS ST, GARDNER, MA 01440-2236 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 2019 · Amount on File |
| Deed Sale | Dec 30, 2019 · Amount on File |
| Prior Sale | Jan 7, 2008 |
| Deed Document Number | 2019142941 |
| Deed Book / Page | 61674 / 117 |
| Record Updated | Oct 29, 2026 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 30, 2019 |
| Property Address | 234 CROSS ST, GARDNER, MA 01440-2236 |
| Document Number | 061674-117 |
| Book / Page | 61674 / 117 |
| Instrument Date | Dec 30, 2019 |
| Instrument | 142941 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| 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 |
|---|---|
| Address | 234 CROSS ST, GARDNER, MA 01440-2236 |
| Investor | Possibly a Property Investor |
| Document Number | 0000142942 |
|---|---|
| Date | Dec 30, 2019 |
| Instrument | 142942 |
| Name | MORTGAGE NETWORK INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 234 Cross St was $44, down 99% 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 |
|---|---|---|
| 2025 | $44.00 (-98.98%) | $309,800 (+8.02%) Land $67,800 Building $242,000 |
| 2024 | $4,299.00 (+1.99%) | $286,800 (+9.76%) Land $61,600 Building $225,200 |
| 2023 | $4,215.00 | $261,300 Land $60,700 Building $200,600 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 234 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 234 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures