36 Union St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 36 Union St, Gardner, MA 01440

Property Summary

Property Type	Triplex
Details	8 bd · 3.5 ba · 4,736 sqft · built 1880
Lot Size	0.67 acres (29,185 sqft)
Owner	Individual Name on File
Last Sale	$505,000 (Mar 2023)
Tax Bill	$7,970 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:4 L:15`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:4 L:15`
Alternative APN	`M:S-14 B:0004 L:0015`

Interior

Bedrooms	8 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Units	3 Units
Stories	2 Stories
Building Area	4,736 sqft Living Area
Gross Area	8,224 sqft
Basement Area	2,200 sqft
Unfinished Basement	2,200 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	29,185 sqft (0.67 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	36 UNION ST
City	GARDNER
State	MA
Zip	01440-3426
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R1
Legal Block	4
Legal Lot Number	15
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1032
Census Tract	707100

Owner

36 Union St, a triplex, is owned and occupied by an individual who bought it in March 2023.

Source: Worcester County and Gardner City records, as of October 20, 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	36 UNION ST, GARDNER, MA 01440-3426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2023	Quit Claim Deed, Transfer · FHA Mortgage SEACOAST MORTGAGE CORPORATION
Sep 2, 2022	Deed, Transfer · Stand-Alone First Mortgage STATE FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2023 · Amount on File
Deed Sale	Mar 8, 2023 · Amount on File
Prior Sale	Sep 2, 2022 · Amount on File
Deed Book / Page	68897 / 53
Record Updated	Oct 29, 2026

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 8, 2023
Property Address	36 UNION ST, GARDNER, MA 01440-3426
Document Number	0068897-53
Book / Page	68897 / 53
Instrument Date	Mar 8, 2023
Instrument	18646
Transaction Type	Transfer
Record Updated	Mar 24, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 UNION ST, GARDNER, MA 01440-3426

Mortgage

Document Number	0000018647
Date	Mar 8, 2023
Instrument	18647

Lender

Name	SEACOAST MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 2, 2022
Property Address	36 UNION ST, GARDNER, MA 01440-3426
Document Number	068171-334
Book / Page	68171 / 334
Instrument Date	Sep 2, 2022
Instrument	97701
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	675 MAIN ST, SOUTHBRIDGE, MA 01550-3720

Mortgage

Document Number	0000097703
Date	Sep 2, 2022
Instrument	97703

Lender

Name	STATE FUNDING LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 36 Union St was $7,970, up 9,988.6% from the year before.

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	$7,970.00 (+9,988.61%)	$578,800 (+4.97%) Land $87,900 Building $490,900
2025	$79.00 (-98.87%)	$551,400 (+18.17%) Land $79,900 Building $471,500
2024	$6,994.00 (+9.11%)	$466,600 (+17.41%) Land $72,700 Building $393,900
2023	$6,410.00	$397,400 Land $71,600 Building $325,800

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

Flood

FEMA maps place 36 Union St in Zone X, an area of minimal flood risk.

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	2 in force

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.

Wildfire

Wildfire risk around 36 Union 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	Direct burnable vegetation

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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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