Worcester County and Gardner City property record for 31 Euclid St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,485 sqft · built 1920 |
| Lot Size | 0.258 acres (11,250 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $318,000 (Dec 2025) |
| Tax Bill | $4,119 (2026) |
| Deeds & Mortgages | Apr 2025 Mortgage Dec 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:L-26 B:0043 L:0049 |
| Primary APN | M:L-26 B:0043 L:0049 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,485 sqft Living Area |
| Gross Area | 3,191 sqft |
| Basement Area | 910 sqft |
| Unfinished Basement | 910 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,250 sqft (0.258 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 31 EUCLID ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1974 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 17 |
| Legal Lot Number | 49 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 707400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 31 EUCLID ST, GARDNER, MA 01440-1974 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Apr 24, 2025 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) I-C FCU |
| Dec 11, 2025 | Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 21, 2023 | Fiduciary Deed, Transfer · Stand-Alone First Mortgage NORCOM MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 2025 · Amount on Record |
| Deed Sale | Dec 11, 2025 · Amount on Record |
| Prior Sale | Feb 21, 2023 · Amount on Record |
| Deed Book / Page | 72951 / 207 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 31 EUCLID ST, GARDNER, MA 01440-1974 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Name | Verified Name |
|---|
| Document Number | 071892-269 |
|---|---|
| Date | Apr 24, 2025 |
| Book Page | 71892/269 |
| Instrument | 31412 |
| Name | I-C FCU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 1, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 11, 2025 |
| Property Address | 31 EUCLID ST, GARDNER, MA 01440-1974 |
| Document Number | 072951-207 |
| Book / Page | 72951 / 207 |
| Instrument Date | Dec 11, 2025 |
| Instrument | 108283 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Amount | Amount Recorded |
|---|---|
| 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 | 31 EUCLID ST, GARDNER, MA 01440-1974 |
| Document Number | 0000108284 |
|---|---|
| Date | Dec 11, 2025 |
| Instrument | 108284 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Jan 1, 2052 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Feb 21, 2023 |
| Property Address | 31 EUCLID ST, GARDNER, MA 01440-1974 |
| Document Number | 068845-315 |
| Book / Page | 68845 / 315 |
| Instrument Date | Feb 21, 2023 |
| Instrument | 14539 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 31 EUCLID ST, GARDNER, MA 01440-1974 |
| Document Number | 0000014540 |
|---|---|
| Date | Feb 21, 2023 |
| Instrument | 14540 |
| Name | NORCOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 068845-335 |
|---|---|
| Date | Feb 21, 2023 |
| Book Page | 68845/335 |
| Instrument | 14541 |
| Name | NORCOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2038 |
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 | $4,119.00 (-1.84%) | $299,100 (+2.36%) Land $76,200 Building $222,900 | $338,426 (+15.29%) |
| 2025 | $4,196.00 (-3.01%) | $292,200 (+1.25%) Land $69,300 Building $222,900 | $293,550 |
| 2024 | $4,326.00 (+8.75%) | $288,600 (+17.03%) Land $63,000 Building $225,600 | |
| 2023 | $3,978.00 | $246,600 Land $62,100 Building $184,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 380 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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