248 Cross St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 248 Cross St, Gardner, MA 01440

Property Summary

Property Type	Apartments (5+ Units)
Details	9 bd · 6 ba · 5,940 sqft · built 1880
Lot Size	0.096 acres (4,186 sqft)
Owner	Company Name on Record
Last Sale	$587,000 (Sep 2021)
Tax Bill	$10,540 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Sep 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:1 L:31`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:1 L:31`
Alternative APN	`M:P-24 B:0015 L:0031`

Interior

Bedrooms	9 Beds
Full Baths	6 Baths
Total Rooms	24 Rooms
Units	6 Units
Stories	3 Stories
Building Area	5,940 sqft Living Area
Gross Area	6,804 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,186 sqft (0.096 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	248 CROSS ST
City	GARDNER
State	MA
Zip	01440-2243
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	R3
Legal Block	1
Legal Lot Number	31
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1010
Census Tract	707200

Owner

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	Company Name on Record
Mailing Address	343 WASHINGTON ST, 201, NEWTON, MA 02458-1564
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HANSCOM FCU
Sep 24, 2021	Quit Claim Deed, Transfer Quitclaim
Aug 5, 2021	Quit Claim Deed, Transfer Quitclaim
Jul 28, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2021 · Amount on Record
Deed Sale	Sep 24, 2021 · Amount on Record
Prior Sale	Mar 17, 2016 · Amount on Record
Deed Book / Page	66143 / 25
Prior Transfer Date	Sep 16, 2021
Prior Transfer Doc	0066143-20
Record Updated	Oct 29, 2026

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 24, 2021
Property Address	248 CROSS ST, GARDNER, MA 01440-2243
Document Number	0066143-25
Book / Page	66143 / 25
Instrument Date	Sep 24, 2021
Instrument	134440
Transaction Type	Transfer
Record Updated	Jan 24, 2024

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	343 WASHINGTON ST STE 201, 201, NEWTON, MA 02458-1595

Mortgage

Document Number	0000134442
Date	Sep 24, 2021
Instrument	134442

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 24, 2021
Property Address	248 CROSS ST, GARDNER, MA 01440-2243
Document Number	0066143-20
Book / Page	66143 / 20
Instrument Date	Sep 16, 2021
Instrument	134439
Transaction Type	Transfer
Record Updated	Jan 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 NAUGUS AVE, MARBLEHEAD, MA 01945-1552

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 5, 2021
Property Address	248 CROSS ST, GARDNER, MA 01440-2243
Document Number	065780-269
Book / Page	65780 / 269
Instrument Date	Aug 4, 2021
Instrument	110105
Transaction Type	Transfer
Record Updated	Jan 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	18 STORROW CIR, WESTWOOD, MA 02090-1048

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 28, 2021
Property Address	248 CROSS ST, GARDNER, MA 01440-2243
Document Number	065709-181
Book / Page	65709 / 181
Instrument Date	May 19, 2016
Instrument	105067
Transaction Type	Transfer
Record Updated	Jan 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 NAUGUS AVE, MARBLEHEAD, MA 01945-1552

Tax Assessment & Valuation

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
2026	$10,540.00 (+10,994.74%)	$765,400 (+14.62%) Land $70,800 Building $694,600
2025	$95.00 (-98.87%)	$667,800 (+19.21%) Land $64,400 Building $603,400
2024	$8,397.00 (+10.46%)	$560,200 (+18.86%) Land $58,500 Building $501,700
2023	$7,602.00	$471,300 Land $57,600 Building $413,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

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 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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