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  5. Emerald St

68 Emerald St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 68 Emerald St, Gardner, MA 01440

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 983 sqft · built 1935
Lot Size0.071 acres (3,114 sqft)
OwnerIndividual Name on Record
Last Sale$270,000 (Jun 2023)
Tax Bill$42 (2025)
Deeds & MortgagesJun 2023 Sale & Mortgage
Oct 2020 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APNM:P-20 B:0002 L:0014

Property Details

APN / Parcel Number

Primary APNM:P-20 B:0002 L:0014
Alternative APN
  • GARD M:M22 B:25 L:54

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories2 Stories
Building Area983 sqft Living Area
Gross Area1,782 sqft

Exterior

Year BuiltBuilt 1935
Effective Year BuiltEffective 1935
Architectural StyleConventional
Exterior MaterialWood Siding
Roof TypeGable
Roof MaterialAsphalt
Lot Area3,114 sqft (0.071 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Street Address68 EMERALD ST
CityGARDNER
StateMA
Zip01440-2921
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block25
Legal Lot Number54
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group3
Census Block3012
Census Tract707300

Owner

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 RecordIndividual Name on Record
Mailing Address68 EMERALD ST, GARDNER, MA 01440-2921
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 14, 2023Quit Claim Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Oct 2, 2020Quit Claim Deed, Transfer · Stand-Alone First Mortgage
KELLER MORTGAGE LLC
Mar 3, 2020Quit Claim Deed, Transfer · FHA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 22, 2019Quit Claim Deed, Transfer
NOT AVAILABLE
Jul 22, 2019Foreclosure
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 14, 2023 · Amount on Record
Deed SaleJun 14, 2023 · Amount on Record
Prior SaleOct 2, 2020 · Amount on Record
Deed Document Number202346275
Deed Book / Page69251 / 364
Record UpdatedJun 8, 2026

June 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateJun 14, 2023
Property Address68 EMERALD ST, GARDNER, MA 01440-2921
Document Number069251-364
Book / Page69251 / 364
Instrument DateJun 14, 2023
Instrument46275
Transaction TypeTransfer
Record UpdatedJul 3, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address68 EMERALD ST, GARDNER, MA 01440-2921

Mortgage

Document Number0000046276
DateJun 14, 2023
Instrument46276
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded

October 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateOct 2, 2020
Property Address68 EMERALD ST, GARDNER, MA 01440-2921
Document Number63411-286
Book / Page63411 / 286
Instrument DateSep 30, 2020
Instrument116523
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address68 EMERALD ST, GARDNER, MA 01440-2921
InvestorPossibly a Property Investor

Mortgage

Document Number116524
DateOct 2, 2020
Instrument116524
Lender
NameKELLER MORTGAGE LLC
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

March 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateMar 3, 2020
Property Address68 EMERALD ST, GARDNER, MA 01440-2921
Document Number61987-394
Book / Page61987 / 394
Instrument DateMar 3, 2020
Instrument22875
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address68 EMERALD ST, GARDNER, MA 01440-2921

Mortgage

Document Number22876
DateMar 3, 2020
Instrument22876
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded

October 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateOct 22, 2019
Property Address68 EMERALD ST, GARDNER, MA 01440-2921
Document Number61271-265
Book / Page061271 / 000265
Instrument DateOct 16, 2019
Instrument111333
Transaction TypeTransfer
Record UpdatedNov 5, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$342.46
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address435 SALISBURY ST WORCESTER MA 016091241, WORCESTER, MA 01609-1241

July 2019: Foreclosure

Document TypeForeclosure
JurisdictionGARDNER MA
Recording DateJul 22, 2019
Property Address68 EMERALD ST, GARDNER, MA 01440-2921
Document Number60743-287
Book / Page060743 / 000287
Instrument DateFeb 1, 2019
Instrument70709
Transaction TypeForeclosure
Record UpdatedAug 6, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$359.78
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTrust
Address8742 LUCENT BLVD #300 HIGHLANDS RANCH CO 801292386, 300, HIGHLANDS RANCH, CO 80129-2386

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$42.00 (-98.96%)$296,200 (+9.83%) Land $56,400 Building $239,800$282,435
2024$4,043.00 (+4.04%)$269,700 (+11.96%) Land $51,300 Building $218,400
2023$3,886.00$240,900 Land $50,600 Building $190,300

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemGARDNER WATER DEPARTMENT
serves 21,381 people · EPA ID MA2103000
Water SourceSurface water
Last State InspectionOct 2024
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 446 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Gateway Fiber
Fiber		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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