62 Union St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 62 Union St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,407 sqft · built 1900
Lot Size	0.146 acres (6,366 sqft)
Owner	2 Individual Names on File
Last Sale	$384,900 (Jul 2025)
Tax Bill	$5,117 (2026)
Deeds & Mortgages	Jul 2025 Sale & Refinance May 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:3 L:7`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:3 L:7`
Alternative APN	`M:R-14 B:0005 L:0007`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,407 sqft Living Area
Gross Area	2,460 sqft
Basement Area	616 sqft
Unfinished Basement	616 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,366 sqft (0.146 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	62 UNION ST
City	GARDNER
State	MA
Zip	01440-3428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	3
Legal Lot Number	7
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1036
Census Tract	707100

Owner

62 Union St is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	62 UNION ST, GARDNER, MA 01440-3428
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 8, 2025	Quit Claim Deed, Transfer · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
May 16, 2022	Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Sep 2, 2021	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Sep 24, 2019	Deed of Trust, Mortgage · Conventional with PMI QUAD CTY BK&TR
Jan 16, 2018	Quit Claim Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2025 · Amount on File
Deed Sale	Jul 8, 2025 · Amount on File
Prior Sale	May 16, 2022 · Amount on File
Deed Document Number	202555702
Deed Book / Page	72225 / 207
Prior Transfer Date	Jul 7, 2025
Prior Transfer Doc	072225-207
Record Updated	Oct 29, 2026

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 8, 2025
Property Address	62 UNION ST, GARDNER, MA 01440-3428
Document Number	072225-207
Book / Page	72225 / 207
Instrument Date	Jul 7, 2025
Instrument	55702
Transaction Type	Transfer
Record Updated	Nov 19, 2025

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
Relationship	Tenants by the Entirety
Address	62 UNION ST, GARDNER, MA 01440-3428

Mortgage

Document Number	0000055703
Date	Jul 8, 2025
Instrument	55703

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARDNER MA
Recording Date	May 16, 2022
Property Address	62 UNION ST, GARDNER, MA 01440-3428
Document Number	067596-258
Book / Page	67596 / 258
Instrument Date	May 16, 2022
Instrument	53124
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	62 UNION ST, GARDNER, MA 01440-3428

Mortgage

Document Number	0000053125
Date	May 16, 2022
Instrument	53125

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 2, 2021
Property Address	62 UNION ST, GARDNER, MA 01440-3428
Document Number	65983-304
Book / Page	65983 / 304
Instrument Date	Sep 2, 2021
Instrument	124160
Transaction Type	Transfer
Record Updated	Sep 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	62 UNION ST, GARDNER, MA 01440-3428

Mortgage

Document Number	124161
Date	Sep 2, 2021
Instrument	124161

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	62 UNION ST, GARDNER, MA 01440-3428
Document Number	61142-227
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	62 UNION ST GARDNER MA 014403428, GARDNER, MA 01440-3428

Mortgage

Document Number	61142-227
Date	Sep 30, 2019
Book Page	061142/000227
Instrument	101625

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	324 Months
Due	Sep 29, 2046

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 16, 2018
Property Address	62 UNION ST, GARDNER, MA 01440-3428
Document Number	58322-395
Book / Page	058322 / 000395
Instrument Date	Jan 15, 2018
Instrument	4669
Transaction Type	Transfer
Record Updated	Feb 6, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$775.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	62 UNION ST GARDNER MA 014403428, GARDNER, MA 01440-3428

Mortgage

Document Number	58323-1
Date	Jan 16, 2018
Book Page	058323/000001
Instrument	4670

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 15, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 62 Union St was $5,117, up 3.6% 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	$5,117.00 (+3.56%)	$371,600 (+7.99%) Land $73,000 Building $298,600	$377,258 (-3.61%)
2025	$4,941.00 (+3.63%)	$344,100 (+8.17%) Land $66,400 Building $277,700	$391,400
2024	$4,768.00 (+2.91%)	$318,100 (+10.76%) Land $60,400 Building $257,700
2023	$4,633.00	$287,200 Land $59,500 Building $227,700

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

Flood

FEMA maps place 62 Union 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 62 Union 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 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

Nearby Properties on Union St

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