5 Emerald St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 1,538 sqft · built 1880
Lot Size	0.123 acres (5,350 sqft)
Owner	Individual Name on File
Last Sale	$92,500 (Apr 2015)
Tax Bill	$3,606 (2025)
Flood Zone	Zone X (minimal risk)
APN	`M:O-21 B:0031 L:0054`

Property Details

APN / Parcel Number

Primary APN	`M:O-21 B:0031 L:0054`
Alternative APN	`GARD M:M22 B:20 L:54`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,538 sqft Living Area
Gross Area	2,451 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,350 sqft (0.123 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	5 EMERALD ST
City	GARDNER
State	MA
Zip	01440-3494
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	20
Legal Lot Number	54
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3010
Census Tract	707300

Owner

Source: Worcester County and Gardner City records · APN M:O-21 B:0031 L:0054

Assessment roll updated April 14, 2026 · Last verified May 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	259 GREEN RD, BOLTON, MA 01740-1044
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 29, 2015 · Amount on Record
Deed Sale	Apr 29, 2015 · Amount on Record
Deed Document Number	201537309
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified May 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 is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$3,606.00 (-4.91%)	$251,100 (-0.75%) Land $65,800 Building $185,300
2024	$3,792.00 (+7.85%)	$253,000 (+16.06%) Land $59,800 Building $193,200
2023	$3,516.00	$218,000 Land $58,900 Building $159,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · 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, availability as of December 31, 2025 · sampled at 446 locations within half a mile · 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

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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.