Worcester County and Gardner City property record for 43 Crescent Rd, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 960 sqft · built 1965 |
| Lot Size | 0.204 acres (8,880 sqft) |
| Owner | Individual Name on File |
| Last Sale | $177,500 (Jan 2014) |
| Tax Bill | $52 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Mar 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:S-21 B:0006 L:0016 |
| Primary APN | M:S-21 B:0006 L:0016 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Gross Area | 1,984 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,880 sqft (0.204 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 43 CRESCENT RD |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3911 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | HOUSING DEV |
| Legal Block | 19 |
| Legal Lot Number | 16 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City records · APN M:S-21 B:0006 L:0016
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 | 43 CRESCENT RD, GARDNER, MA 01440-3911 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2024 | Deed of Trust, Mortgage · ARM MUTUAL OF OMAHA MORTGAGE |
| Mar 13, 2024 | Deed of Trust, Mortgage · ARM SECRETARY HOUSING URBAN DEVELOPMENT |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 06, 2014 · Amount on Record |
| Deed Sale | Jan 06, 2014 · Amount on Record |
| Prior Sale | Feb 14, 2012 · Amount on Record |
| Deed Book / Page | 51919 / 357 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 43 CRESCENT RD, GARDNER, MA 01440-3911 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 070277-367 |
|---|---|
| Date | Mar 13, 2024 |
| Book Page | 70277/367 |
| Instrument | 17836 |
| Name | MUTUAL OF OMAHA MORTGAGE |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 949 Months |
| Due | Apr 01, 2103 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.41% |
| Type Change Date | May 01, 2024 |
| Index | LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 43 CRESCENT RD, GARDNER, MA 01440-3911 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00070278-1 |
|---|---|
| Date | Mar 13, 2024 |
| Book Page | 70278/1 |
| Instrument | 17837 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 949 Months |
| Due | Apr 01, 2103 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.41% |
| Type Change Date | May 01, 2024 |
| Index | LIBOR |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
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 | $52.00 (-98.94%) | $369,000 (+12.57%) Land $74,600 Building $294,400 | $314,355 |
| 2024 | $4,914.00 (+3.56%) | $327,800 (+11.42%) Land $67,900 Building $259,900 | |
| 2023 | $4,745.00 | $294,200 Land $66,900 Building $227,300 |
Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: Gateway Fiber Holdings, T-Mobile USA, Verizon.
Based on FCC filings for 215 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
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 |
| 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.
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