60 Charles St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 60 Charles St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,498 sqft · built 1920
Lot Size	0.381 acres (16,583 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Dec 2021)
Tax Bill	$5,515 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Nov 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:9 L:23`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:9 L:23`
Alternative APN	`M:S-13 B:0005 L:0023`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,498 sqft Living Area
Gross Area	2,676 sqft
Basement Area	822 sqft
Unfinished Basement	822 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,583 sqft (0.381 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	60 CHARLES ST
City	GARDNER
State	MA
Zip	01440-3510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	9
Legal Lot Number	23
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1039
Census Tract	707100

Owner

60 Charles St is owned and occupied by an individual who bought it in December 2021.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	60 CHARLES ST, GARDNER, MA 01440-3510
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage US BANK NA
Nov 27, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2021 · Amount on File
Deed Sale	Dec 1, 2021 · Amount on File
Prior Sale	Nov 27, 2019 · Amount on File
Deed Document Number	2021167973
Deed Book / Page	66652 / 45
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 1, 2021
Property Address	60 CHARLES ST, GARDNER, MA 01440-3510
Document Number	0066652-45
Book / Page	66652 / 45
Instrument Date	Dec 1, 2021
Instrument	167973
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60 CHARLES ST, GARDNER, MA 01440-3510

Mortgage

Document Number	0000167974
Date	Dec 1, 2021
Instrument	167974

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 27, 2019
Property Address	60 CHARLES ST, GARDNER, MA 01440-3510
Document Number	61501-69
Book / Page	061501 / 000069
Instrument Date	Nov 26, 2019
Instrument	128709
Transaction Type	Transfer
Record Updated	Dec 17, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$501.60
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60 CHARLES ST GARDNER MA 014403510, GARDNER, MA 01440-3510

Tax Assessment & Valuation

The 2026 property tax bill for 60 Charles St was $5,515, up 10,305.7% from the year before.

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	$5,515.00 (+10,305.66%)	$400,500 (+8.24%) Land $87,800 Building $312,700	$403,452 (-0.52%)
2025	$53.00 (-98.97%)	$370,000 (+8%) Land $79,800 Building $290,200	$405,555
2024	$5,136.00	$342,600 Land $72,600 Building $270,000

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

Flood

FEMA maps place 60 Charles St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 60 Charles St is low, with a 0.01% annual chance of 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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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