65 5th St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 65 5th St, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,101 sqft · built 1962
Lot Size	0.19 acres (8,292 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Mar 2022)
Tax Bill	$5,139 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M17 B:3 L:7`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M17 B:3 L:7`
Alternative APN	`M:M-19 B:0004 L:0007`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,101 sqft Living Area
Gross Area	3,437 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,292 sqft (0.19 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	65 5TH ST
City	GARDNER
State	MA
Zip	01440-2815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	7
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 · APN GARD M:M17 B:3 L:7

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	65 5TH ST, GARDNER, MA 01440-2815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 28, 2022 · Amount on Record
Deed Sale	Mar 28, 2022 · Amount on Record
Deed Book / Page	67336 / 283
Record Updated	Jun 08, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 28, 2022
Property Address	65 5TH ST, GARDNER, MA 01440-2815
Document Number	067336-283
Book / Page	67336 / 283
Instrument Date	Mar 28, 2022
Instrument	34072
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	65 5TH ST, GARDNER, MA 01440-2815

Mortgage

Document Number	0000034073
Date	Mar 28, 2022
Instrument	34073

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,139.00 (-5.55%)	$357,900 (-1.4%) Land $67,500 Building $290,400	$369,170
2024	$5,441.00 (+6.44%)	$363,000 (+14.55%) Land $61,400 Building $301,600
2023	$5,112.00	$316,900 Land $60,500 Building $256,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277073002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 4 individual NFIP policies nearby
Nearby Flood Policies	4 in force 2 of 4 on primary residences

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.