Worcester County and Gardner City property record for 37 Union St, Gardner, MA 01440
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 5 bd · 4 ba · 2,911 sqft · built 1900 |
| Lot Size | 0.29 acres (12,622 sqft) |
| Owner | Individual Name on File |
| Last Sale | $140,000 (Mar 2004) |
| Tax Bill | $5,687 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R12 B:4 L:27 |
| Primary APN | GARD M:R12 B:4 L:27 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 16 Rooms |
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 2,911 sqft Living Area |
| Gross Area | 5,084 sqft |
| Basement Area | 1,735 sqft |
| Unfinished Basement | 1,735 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,622 sqft (0.29 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 37 UNION ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3455 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | R1 |
| Legal Block | 4 |
| Legal Lot Number | 27 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 707100 |
37 Union St, a residential property, is owned by an individual who bought it in March 2004.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 295 WORCESTER RD, WESTMINSTER, MA 01473-1602 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 19, 2004 · Amount on File |
| Deed Sale | Mar 19, 2004 · Amount on File |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 37 Union St was $5,687, up 11,051% 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 |
|---|---|---|
| 2026 | $5,687.00 (+11,050.98%) | $413,000 (+14.15%) Land $77,200 Building $335,800 |
| 2025 | $51.00 (-98.89%) | $361,800 (+18.12%) Land $70,100 Building $291,700 |
| 2024 | $4,591.00 (+0.44%) | $306,300 (+8.08%) Land $63,800 Building $242,500 |
| 2023 | $4,571.00 | $283,400 Land $62,900 Building $220,500 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 37 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 risk around 37 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.
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 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.
5G (outdoors only) and 4G LTE
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