Worcester County and Gardner City property record for 52 Moran St, Gardner, MA 01440
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 7 bd · 4 ba · 2,856 sqft · built 1900 |
| Lot Size | 0.156 acres (6,800 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $580,000 (Jan 2026) |
| Tax Bill | $5,255 (2026) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:14 L:35 |
| Primary APN | GARD M:M22 B:14 L:35 |
|---|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 15 Rooms |
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 2,856 sqft Living Area |
| Gross Area | 3,591 sqft |
| Basement Area | 726 sqft |
| Unfinished Basement | 726 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 6,800 sqft (0.156 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 52 MORAN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-4063 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | R1 |
| Legal Block | 14 |
| Legal Lot Number | 35 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 707300 |
Source: Worcester County and Gardner City records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 52 MORAN ST, GARDNER, MA 01440-4063 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 2, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Jan 29, 2020 | Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 2, 2026 · Amount on Record |
| Deed Sale | Jan 2, 2026 · Amount on Record |
| Prior Sale | Jan 29, 2020 · Amount on Record |
| Deed Book / Page | 73044 / 155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jan 2, 2026 |
| Property Address | 52 MORAN ST, GARDNER, MA 01440-4063 |
| Document Number | 073044-155 |
| Book / Page | 73044 / 155 |
| Instrument Date | Jan 2, 2026 |
| Instrument | 247 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 52 MORAN ST, GARDNER, MA 01440-4063 |
| Document Number | 0000000248 |
|---|---|
| Date | Jan 2, 2026 |
| Instrument | 248 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jan 29, 2020 |
| Property Address | 52 MORAN ST, GARDNER, MA 01440-4063 |
| Document Number | 61809-26 |
| Book / Page | 61809 / 26 |
| Instrument Date | Jan 27, 2020 |
| Instrument | 9238 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 52 MORAN ST, GARDNER, MA 01440-4063 |
| Document Number | 9239 |
|---|---|
| Date | Jan 29, 2020 |
| Instrument | 9239 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $5,255.00 (+10,847.92%) | $381,600 (+14.11%) Land $73,300 Building $308,300 |
| 2025 | $48.00 (-98.87%) | $334,400 (+18.04%) Land $66,600 Building $267,800 |
| 2024 | $4,247.00 (+0.45%) | $283,300 (+8.09%) Land $60,600 Building $222,700 |
| 2023 | $4,228.00 | $262,100 Land $59,700 Building $202,400 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 4 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.
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 | None beyond ember reach |
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 446 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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