49 5th St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 49 5th St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 936 sqft · built 1960
Lot Size	0.201 acres (8,753 sqft)
Owner	2 Individual Names on File
Last Sale	$169,000 (Jul 2005)
Tax Bill	$4,318 (2025)
Deeds & Mortgages	May 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M22 B:23 L:9`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M22 B:23 L:9`
Alternative APN	`M:M-19 B:0006 L:0009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
Gross Area	2,208 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,753 sqft (0.201 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	49 5TH ST
City	GARDNER
State	MA
Zip	01440-2815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	23
Legal Lot Number	9
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2016
Census Tract	707300

Owner

Source: Worcester County and Gardner City records · APN GARD M:M22 B:23 L:9

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	2 Individual Names on File
Mailing Address	49 5TH ST, GARDNER, MA 01440-2815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 26, 2005 · Amount on Record
Deed Sale	Jul 26, 2005 · Amount on Record
Deed Document Number	2005120175
Deed Book / Page	36888 / 243
Record Updated	Jun 08, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	49 5TH ST, GARDNER, MA 01440-2815
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62358-370
Date	May 08, 2020
Book Page	62358/370
Instrument	46844

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

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	$4,318.00 (+2.18%)	$300,700 (+6.67%) Land $67,800 Building $232,900	$249,755
2024	$4,226.00 (+8.22%)	$281,900 (+16.44%) Land $61,600 Building $220,300
2023	$3,905.00	$242,100 Land $60,700 Building $181,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), as of November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277073002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

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

Based on FCC filings for 99 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MA2103000, 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.