Worcester County and Gardner City property record for 68 Charles St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,152 sqft · built 1830 |
| Lot Size | 0.241 acres (10,486 sqft) |
| Owner | Individual Name on File |
| Last Sale | $197,500 (Oct 2005) |
| Tax Bill | $4,137 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R12 B:9 L:24 |
| Primary APN | GARD M:R12 B:9 L:24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 2,183 sqft |
| Basement Area | 640 sqft |
| Unfinished Basement | 640 sqft |
| Year Built | Built 1830 |
|---|---|
| Effective Year Built | Effective 1830 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,486 sqft (0.241 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 68 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 | 24 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 707100 |
68 Charles St is owned and occupied by an individual who bought it in October 2005.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 68 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2005 · Amount on File |
| Deed Sale | Oct 28, 2005 · Amount on File |
| Prior Sale | Jul 15, 1998 · Amount on File |
| Deed Document Number | 2005184022 |
| Deed Book / Page | 37671 / 217 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 68 Charles St was $4,137, up 10,507.7% from the year before.
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 |
|---|---|---|---|
| 2026 | $4,137.00 (+10,507.69%) | $300,400 (+8.25%) Land $83,300 Building $217,100 | $322,084 (+1.69%) |
| 2025 | $39.00 (-98.99%) | $277,500 (+7.68%) Land $75,700 Building $201,800 | $316,730 |
| 2024 | $3,863.00 (+2.58%) | $257,700 (+10.36%) Land $68,800 Building $188,900 | |
| 2023 | $3,766.00 | $233,500 Land $67,800 Building $165,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 68 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 risk around 68 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.
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 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.
5G (outdoors only) and 4G LTE
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