Worcester County and Gardner City property record for 37 Dublin St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,296 sqft · built 1900 |
| Lot Size | 0.143 acres (6,229 sqft) |
| Owner | Individual Name on File |
| Last Sale | $192,000 (Jul 2006) |
| Tax Bill | $4,125 (2026) |
| Deeds & Mortgages | Jul 2022 Refinance Feb 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:O-20 B:0005 L:0027 |
| Primary APN | M:O-20 B:0005 L:0027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,296 sqft Living Area |
| Gross Area | 2,694 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,229 sqft (0.143 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 37 DUBLIN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2956 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 25 |
| Legal Lot Number | 27 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 707300 |
37 Dublin St is owned by an individual who bought it in July 2006.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 13740 45TH AVE, 1N, FLUSHING, NY 11355-4023 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 21, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Feb 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Nov 16, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 6, 2006 · Amount on File |
| Deed Sale | Jul 6, 2006 · Amount on File |
| Deed Document Number | 2006100431 |
| Deed Book / Page | 39325 / 183 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 37 DUBLIN ST, GARDNER, MA 01440-2956 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0067945-88 |
|---|---|
| Date | Jul 21, 2022 |
| Book Page | 67945/88 |
| Instrument | 80042 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 37 DUBLIN ST, GARDNER, MA 01440-2956 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 64473-285 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | 64473/285 |
| Instrument | 22035 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 37 DUBLIN ST, GARDNER, MA 01440-2956 |
| Document Number | 58139-43 |
| Book / Page | 058139 / 000043 |
| Instrument Date | Nov 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 58139-43 |
|---|---|
| Date | Dec 5, 2017 |
| Book Page | 058139/000043 |
| Instrument | 135778 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 37 Dublin St was $4,125, up 10,476.9% 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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,125.00 (+10,476.92%) | $299,600 (+8.2%) Land $72,900 Building $226,700 | $321,795 (+7.84%) |
| 2025 | $39.00 (-99%) | $276,900 (+6.83%) Land $66,300 Building $210,600 | $298,395 |
| 2024 | $3,885.00 (+3.32%) | $259,200 (+11.2%) Land $60,300 Building $198,900 | |
| 2023 | $3,760.00 | $233,100 Land $59,400 Building $173,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 37 Dublin 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 37 Dublin 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 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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