68 S Main St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,634 sqft · built 1900
Lot Size	0.152 acres (6,640 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Sep 2022)
Tax Bill	$4,536 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:S-15 B:0004 L:0016`

Property Details

APN / Parcel Number

Primary APN	`M:S-15 B:0004 L:0016`
Alternative APN	`GARD M:R17 B:24 L:43`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,634 sqft Living Area
Gross Area	4,036 sqft
Basement Area	859 sqft
Unfinished Basement	859 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	6,640 sqft (0.152 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	68 S MAIN ST
City	GARDNER
State	MA
Zip	01440-3344
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	43
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2042
Census Tract	707100

Owner

68 S Main St is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	68 S MAIN ST, GARDNER, MA 01440-3344
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

Date	Document
Sep 2, 2022	Quit Claim Deed, Transfer · Second Mortgage (Down Payment) OCMBC INC
Jun 4, 2018	Quit Claim Deed, Transfer · FHA Mortgage FRANKLIN AMERICAN MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2022 · Amount on File
Deed Sale	Sep 2, 2022 · Amount on File
Prior Sale	Jun 4, 2018 · Amount on File
Deed Book / Page	68169 / 261
Record Updated	Oct 29, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 2, 2022
Property Address	68 S MAIN ST, GARDNER, MA 01440-3344
Document Number	068169-261
Book / Page	68169 / 261
Instrument Date	Sep 2, 2022
Instrument	97533
Transaction Type	Transfer
Record Updated	Sep 19, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	68 S MAIN ST, GARDNER, MA 01440-3344

Mortgage

Document Number	0000097536
Date	Sep 2, 2022
Instrument	97536

Lender

Name	OCMBC INC

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

Mortgage

Document Number	068169-267
Date	Sep 2, 2022
Book Page	68169/267
Instrument	97535

Lender

Name	OCMBC INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 4, 2018
Property Address	68 S MAIN ST, GARDNER, MA 01440-3344
Document Number	58893-338
Book / Page	58893 / 338
Instrument	53923
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29.47
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 S MAIN ST, GARDNER, MA 01440-3344

Mortgage

Document Number	588930341
Date	Jun 4, 2018
Instrument	58893/0341

Lender

Name	FRANKLIN AMERICAN MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 68 S Main St was $4,536, up 10,448.8% 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	$4,536.00 (+10,448.84%)	$329,400 (+8.21%) Land $73,200 Building $256,200	$337,982 (+5.04%)
2025	$43.00 (-98.92%)	$304,400 (+14.35%) Land $66,600 Building $237,800	$321,765
2024	$3,990.00 (+2.44%)	$266,200 (+10.23%) Land $60,500 Building $205,700
2023	$3,895.00	$241,500 Land $59,600 Building $181,900

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

Flood

FEMA maps place 68 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 68 S Main 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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