Worcester County and Gardner City property record for 63 Cross St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,300 sqft · built 1998 |
| Lot Size | 0.479 acres (20,852 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $66 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R22 B:3 L:27 |
| Primary APN | GARD M:R22 B:3 L:27 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,300 sqft Living Area |
| Gross Area | 4,764 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,852 sqft (0.479 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 63 CROSS ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | RICHARD W & JANET M BROWN |
| Legal Block | 3 |
| Legal Lot Number | 27 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 707500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Gardner Uptown Historic District listed 1999 · 88 contributing resources · NRIS 99000660 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Worcester County and Gardner City records, as of April 14, 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 | 63 CROSS ST, GARDNER, MA 01440-2213 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 16, 2009 |
| Deed Sale | Mar 16, 2009 |
| Prior Sale | Oct 15, 2004 · Amount on Record |
| Deed Document Number | 200927019 |
| Deed Book / Page | 43943 / 292 |
| Transfer Doc | 43943-292 |
| Record Updated | Jun 8, 2026 |
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 | $66.00 (-99.05%) | $461,900 (-0.15%) Land $75,100 Building $386,800 | $388,550 |
| 2024 | $6,934.00 (+5.65%) | $462,600 (+13.69%) Land $68,200 Building $394,400 | |
| 2023 | $6,563.00 | $406,900 Land $67,200 Building $339,700 |
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 · 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.
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 388 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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