66 Oak St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 66 Oak St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,006 sqft · built 1900
Lot Size	0.224 acres (9,770 sqft)
Owner	Individual Name on File
Last Sale	$122,500 (Feb 2017)
Tax Bill	$4,782 (2026)
Deeds & Mortgages	Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:N-25 B:0003 L:0044`

Property Details

APN / Parcel Number

Primary APN	`M:N-25 B:0003 L:0044`
Alternative APN	`GARD M:M27 B:24 L:44`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,006 sqft Living Area
Gross Area	5,497 sqft
Basement Area	1,256 sqft
Unfinished Basement	1,256 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	9,770 sqft (0.224 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	66 OAK ST
City	GARDNER
State	MA
Zip	01440-3802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	RALPH D & DIANE CHICOINE
Legal Block	24
Legal Lot Number	44
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2007
Census Tract	707400

Owner

66 Oak St is owned and occupied by an individual who bought it in February 2017.

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

Owner of Record	Individual Name on File
Mailing Address	66 OAK ST, GARDNER, MA 01440-3802
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2017 · Amount on File
Deed Sale	Feb 3, 2017 · Amount on File
Prior Sale	May 16, 2016 · Amount on File
Deed Book / Page	56701 / 146
Transfer Doc	056701-146
Record Updated	Oct 29, 2026

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 3, 2017
Property Address	66 OAK ST, GARDNER, MA 01440-3802
Document Number	56701-146
Book / Page	56701 / 146
Instrument	12667
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37.07
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	567010148
Date	Feb 3, 2017
Instrument	56701/0148

Lender

Name	GFA FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 3, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 66 Oak St was $4,782, up 10,295.7% 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	$4,782.00 (+10,295.65%)	$347,300 (+8.23%) Land $75,300 Building $272,000	$378,260 (+20.84%)
2025	$46.00 (-99.03%)	$320,900 (+1.84%) Land $68,400 Building $252,500	$313,025
2024	$4,723.00 (+1.85%)	$315,100 (+9.6%) Land $62,200 Building $252,900
2023	$4,637.00	$287,500 Land $61,300 Building $226,200

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

Flood

FEMA maps place 66 Oak St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 66 Oak 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	None beyond ember reach

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 519 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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