Worcester County and Gardner City property record for 6 Moran St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 970 sqft · built 1910 |
| Lot Size | 0.147 acres (6,407 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $133,700 (Jul 2014) |
| Tax Bill | $40 (2025) |
| Deeds & Mortgages | Jul 2026 Second Mortgage Sep 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M22 B:9 L:12 |
| Primary APN | GARD M:M22 B:9 L:12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 970 sqft Living Area |
| Gross Area | 1,934 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,407 sqft (0.147 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 6 MORAN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-4022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 9 |
| Legal Lot Number | 12 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 707300 |
Source: Worcester County and Gardner City records, as of August 19, 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 Record |
|---|---|
| Mailing Address | 6 MORAN ST, GARDNER, MA 01440-4022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
| Sep 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 8, 2014 · Amount on Record |
| Deed Sale | Jul 8, 2014 · Amount on Record |
| Prior Sale | Feb 23, 2011 |
| Deed Book / Page | 52526 / 152 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 27, 2026 |
| Property Address | 6 MORAN ST, GARDNER, MA 01440-4022 |
| Document Number | 0000063446 |
| Book / Page | 73934 / 275 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 202663446 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6 MORAN ST, GARDNER, MA 01440-4022 |
| Document Number | 0000063446, |
|---|---|
| Date | Jul 27, 2026 |
| Book Page | 73934/275 |
| Instrument | 202663446 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 1, 2027 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 6 MORAN ST, GARDNER, MA 01440-4022 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63281-74 |
|---|---|
| Date | Sep 18, 2020 |
| Book Page | 63281/74 |
| Instrument | 107953 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2035 |
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 | Assessed Market Value |
|---|---|---|---|
| 2025 | $40.00 (-98.97%) | $280,500 (+8.72%) Land $66,400 Building $214,100 | $259,350 |
| 2024 | $3,867.00 (+3.87%) | $258,000 (+11.79%) Land $60,400 Building $197,600 | |
| 2023 | $3,723.00 | $230,800 Land $59,500 Building $171,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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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