57 5th St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 57 5th St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,108 sqft · built 1960
Lot Size	0.209 acres (9,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Sep 2026)
Tax Bill	$4,193 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M22 B:23 L:6`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M22 B:23 L:6`
Alternative APN	`M:M-19 B:0005 L:0008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,108 sqft Living Area
Gross Area	2,696 sqft
Basement Area	988 sqft
Unfinished Basement	988 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	9,117 sqft (0.209 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	57 5TH ST
City	GARDNER
State	MA
Zip	01440-2815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	23
Legal Lot Number	6
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, 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	57 5TH ST, GARDNER, MA 01440-2815
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Person

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION FEDERAL CREDIT UNION
Sep 14, 2026	Quit Claim Deed, Transfer · Conventional Mortgage UNION FEDERAL CREDIT UNION
Sep 20, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2026 · Amount on Record
Deed Sale	Sep 14, 2026 · Amount on Record
Prior Sale	May 22, 2014 · Amount on Record
Deed Document Number	202680116
Deed Book / Page	74162 / 3
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Sep 14, 2026
Property Address	57 5TH ST, GARDNER, MA 01440-2815
Document Number	0000080117
Book / Page	74162 / 7
Instrument Date	Sep 14, 2026
Instrument	202680117
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 5TH ST, GARDNER, MA 01440-2815

Mortgage

Document Number	0000080117,
Date	Sep 14, 2026
Book Page	74162/7
Instrument	202680117

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 14, 2026
Property Address	57 5TH ST, GARDNER, MA 01440-2815
Document Number	0000080116
Book / Page	74162 / 3
Instrument Date	Sep 14, 2026
Instrument	202680116
Transaction Type	Transfer
Record Updated	Oct 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 5TH ST, GARDNER, MA 01440-2815

Mortgage

Date	Sep 14, 2026

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 20, 2023
Property Address	57 5TH ST, GARDNER, MA 01440-2815
Document Number	069665-260
Book / Page	69665 / 260
Instrument Date	Sep 11, 2023
Instrument	78373
Transaction Type	Transfer
Record Updated	Oct 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 5TH ST, GARDNER, MA 01440-2815

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
2026	$4,193.00 (+0.65%)	$304,500 (+4.96%) Land $74,800 Building $229,700	$362,885 (+31.99%)
2025	$4,166.00 (+2.81%)	$290,100 (+7.33%) Land $68,000 Building $222,100	$274,930
2024	$4,052.00 (+8.43%)	$270,300 (+16.66%) Land $61,800 Building $208,500
2023	$3,737.00	$231,700 Land $60,900 Building $170,800

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	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.

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 99 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

Cell Coverage

5G (outdoors only) and 4G LTE

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