68 Gardner Rd, Nahant, MA 01908 Property Records

Essex County and Nahant Town property record for 68 Gardner Rd, Nahant, MA 01908

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,936 sqft · built 1920
Lot Size	0.183 acres (7,971 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Jun 2016)
Tax Bill	$9,697 (2025)
Deeds & Mortgages	Jan 2021 Refinance Nov 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`NAHA M:0020 B:0000 L:0038`

Property Details

APN / Parcel Number

Primary APN	`NAHA M:0020 B:0000 L:0038`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,936 sqft Living Area
Gross Area	4,276 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,971 sqft (0.183 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	68 GARDNER RD
City	NAHANT
State	MA
Zip	01908-1518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Lot Number	38
Jurisdiction	NAHANT MA
Township / Civil Division	NAHANT
Census Block Group	2
Census Block	2000
Census Tract	201100

Owner

Source: Essex County and Nahant Town records, as of October 8, 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 Record
Mailing Address	68 GARDNER RD, NAHANT, MA 01908-1518
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL ONE FEDERAL CREDIT UNION
Nov 8, 2023	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FEDERAL CREDIT UNION
Sep 24, 2025	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2016 · Amount on Record
Deed Sale	Jun 14, 2016 · Amount on Record
Prior Sale	Mar 18, 2005 · Amount on Record
Deed Book / Page	34999 / 536
Transfer Doc	034999-536
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAHANT MA
Property Address	68 GARDNER RD, NAHANT, MA 01908-1518
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039458-518
Date	Jan 27, 2021
Book Page	39458/518
Instrument	20210127001720

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	145 Months
Due	Feb 1, 2033

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAHANT MA
Property Address	68 GARDNER RD, NAHANT, MA 01908-1518
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041849-235
Date	Nov 8, 2023
Book Page	41849/235
Instrument	20231108000130

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAHANT MA
Property Address	68 GARDNER RD, NAHANT, MA 01908-1518
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042964-276
Date	Sep 24, 2025
Book Page	42964/276
Instrument	20250924000200

Lender

Name	CENTRAL ONE FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Essex County and Nahant Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Nahant Town
Elementary School District	Nahant School District (PK - 06)
Secondary School District	Swampscott School District in Nahant (7-12) (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,697.00 (+2.7%)	$1,059,800 (+1.81%) Land $441,600 Building $618,200	$1,037,495
2024	$9,442.00 (+7.74%)	$1,041,000 (+7.98%) Land $422,800 Building $618,200
2023	$8,764.00	$964,100 Land $375,800 Building $588,300

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 July 10, 2026 · 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
Flood Insurance Cost	Premium on Record median of 76 policies
Nearby Flood Policies	76 in force
Nearby Flood Claims	31 (1978–2024)
Claims Outside the SFHA	1 of 31
Most Recent Claim	Jan 2024 · other causes
Claims by Event	Severe Winter Storm And Flooding, Mar 2018 · 13 claims Winter Coastal Storm, Dec 1992 · 6 claims Coastal Storm, Oct 1991 · 2 claims

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

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

Wildfire Risk	Not rated no burnable land within 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	NAHANT WATER DEPT. (MWRA) serves 3,334 people · EPA ID MA3196000
Water Source	Purchased surface water from MWRA
Last State Inspection	Mar 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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