51 Charles St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 51 Charles St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,000 sqft · built 1920
Lot Size	0.39 acres (17,001 sqft)
Owner	2 Individual Names on File
Last Sale	$350,500 (Jun 2018)
Tax Bill	$71 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:9 L:14`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:9 L:14`
Alternative APN	`M:S-13 B:0008 L:0014`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,000 sqft Living Area
Gross Area	5,164 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,001 sqft (0.39 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	51 CHARLES ST
City	GARDNER
State	MA
Zip	01440-3509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	9
Legal Lot Number	14
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1033
Census Tract	707100

Owner

Source: Worcester County and Gardner City assessment roll, as of April 14, 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	51 CHARLES ST, GARDNER, MA 01440-3509
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2017	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jun 18, 2018	Quit Claim Deed, Transfer FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 13, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 18, 2018 · Amount on Record
Deed Sale	Jun 18, 2018 · Amount on Record
Deed Book / Page	58961 / 76
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	51 CHARLES ST, GARDNER, MA 01440-3509
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58139-336
Date	Dec 5, 2017
Book Page	58139/336
Instrument	135835

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 18, 2018
Property Address	51 CHARLES ST, GARDNER, MA 01440-3509
Document Number	58961-76
Book / Page	58961 / 76
Instrument	59836
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$52.38
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 CHARLES ST, GARDNER, MA 01440-3509

Mortgage

Document Number	589610078
Date	Jun 18, 2018
Instrument	58961/0078

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2048

Interest

Rate	4.25%
Max Rate At Change	70.1%
Max Rate	2.25%

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 13, 2017
Property Address	51 CHARLES ST, GARDNER, MA 01440-3509
Document Number	56844-154
Book / Page	056844 / 000154
Instrument Date	Mar 7, 2017
Instrument	25707
Transaction Type	Transfer
Record Updated	Apr 4, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 CHARLES ST GARDNER MA 014403509, GARDNER, MA 01440-3509

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$71.00 (-98.97%)	$495,100 (+7.3%) Land $80,000 Building $415,100	$526,965
2024	$6,916.00 (-3.11%)	$461,400 (+4.27%) Land $72,800 Building $388,600
2023	$7,138.00	$442,500 Land $71,800 Building $370,700

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

Flood

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

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 at the parcel

Drinking Water

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

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, 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.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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