37 Emerald St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 37 Emerald St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,493 sqft · built 1900
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$192,000 (Aug 2019)
Tax Bill	$41 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:O-21 B:0026 L:0061`

Property Details

APN / Parcel Number

Primary APN	`M:O-21 B:0026 L:0061`
Alternative APN	`GARD M:M22 B:20 L:61`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,493 sqft Living Area
Gross Area	2,565 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	37 EMERALD ST
City	GARDNER
State	MA
Zip	01440-2920
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	20
Legal Lot Number	61
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3011
Census Tract	707300

Owner

Source: Worcester County and Gardner City records · APN M:O-21 B:0026 L:0061

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	37 EMERALD ST, GARDNER, MA 01440-2920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 28, 2019 · Amount on Record
Deed Sale	Aug 28, 2019 · Amount on Record
Prior Sale	Oct 16, 2009 · Amount on Record
Deed Document Number	201986895
Deed Book / Page	60951 / 320
Transfer Doc	44972-292
Record Updated	Jun 08, 2026

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 28, 2019
Property Address	37 EMERALD ST, GARDNER, MA 01440-2920
Document Number	60951-320
Book / Page	60951 / 320
Instrument Date	Aug 28, 2019
Instrument	86895
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	37 EMERALD ST, GARDNER, MA 01440-2920

Mortgage

Document Number	86896
Date	Aug 28, 2019
Instrument	86896

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$41.00 (-99%)	$289,500 (+5.5%) Land $69,000 Building $220,500	$326,800
2024	$4,113.00 (+2.83%)	$274,400 (+10.65%) Land $62,800 Building $211,600
2023	$4,000.00	$248,000 Land $61,900 Building $186,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 30, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Gateway Fiber Holdings Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 446 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	GARDNER WATER DEPARTMENT serves 21,381 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.