Worcester County and Gardner City property record for 68 Oak St, Gardner, MA 01440
| Property Type | Triplex |
|---|---|
| Details | 7 bd · 3 ba · 2,359 sqft · built 1900 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,845 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:N-25 B:0004 L:0045 |
| Primary APN | M:N-25 B:0004 L:0045 |
|---|---|
| Alternative APN |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 11 Rooms |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 2,359 sqft Living Area |
| Gross Area | 4,884 sqft |
| Basement Area | 1,043 sqft |
| Unfinished Basement | 1,043 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 68 OAK ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3802 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | R1 |
| Legal Block | 24 |
| Legal Lot Number | 45 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 707400 |
68 Oak St, a triplex, is owned and occupied by an individual.
Source: Worcester County and Gardner City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 68 OAK ST, BALDWINVILLE, MA 01436-1022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 68 Oak St was $5,845, up 7.6% 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 |
|---|---|---|
| 2026 | $5,845.00 (+7.64%) | $424,500 (+12.27%) Land $76,000 Building $348,500 |
| 2025 | $5,430.00 (+24.14%) | $378,100 (+29.58%) Land $69,000 Building $309,100 |
| 2024 | $4,374.00 (+3.55%) | $291,800 (+11.42%) Land $62,800 Building $229,000 |
| 2023 | $4,224.00 | $261,900 Land $61,900 Building $200,000 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 68 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 risk around 68 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.
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 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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