74 Abbott St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 74 Abbott St, Gardner, MA 01440

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 2,492 sqft · built 1900
Lot Size	0.098 acres (4,258 sqft)
Owner	Company Name on Record
Last Sale	$450,000 (Oct 2024)
Tax Bill	$5,840 (2026)
Deeds & Mortgages	Aug 2022 Refinance May 2021 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:10 L:7`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:10 L:7`
Alternative APN	`M:O-28 B:0011 L:0007`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	3 Units
Stories	2 Stories
Building Area	2,492 sqft Living Area
Gross Area	4,686 sqft
Basement Area	1,122 sqft
Unfinished Basement	1,122 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,258 sqft (0.098 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	74 ABBOTT ST
City	GARDNER
State	MA
Zip	01440-1611
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R1
Legal Subdivision	ROBERT W LAJOIE
Legal Block	10
Legal Lot Number	7
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1032
Census Tract	707400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	14 BROAD MEADOW DR, LUNENBURG, MA 01462-1207
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
May 27, 2021	Quit Claim Deed, Construction Loan · Construction Mortgage LOWELL FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2024 · Amount on Record
Deed Sale	Oct 16, 2024 · Amount on Record
Prior Sale	May 27, 2021 · Amount on Record
Deed Document Number	202484895
Deed Book / Page	71162 / 67
Last Transfer Date	Nov 10, 2024
Transfer Doc	071338-215
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	74 ABBOTT ST, GARDNER, MA 01440-1611
Transaction Type	Mortgage
Record Updated	Sep 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068082-188
Date	Aug 17, 2022
Book Page	68082/188
Instrument	90688

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2021: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 27, 2021
Property Address	74 ABBOTT ST, GARDNER, MA 01440-1611
Document Number	65268-313
Book / Page	65268 / 313
Instrument Date	May 27, 2021
Instrument	74123
Transaction Type	Construction Loan
Record Updated	Jun 11, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 ALDRICH ST, SOMERVILLE, MA 02145-3902

Mortgage

Document Number	74125
Date	May 27, 2021
Instrument	74125

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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
2026	$5,840.00 (+10,714.81%)	$424,100 (+10.96%) Land $70,900 Building $353,200
2025	$54.00 (-98.78%)	$382,200 (+29.69%) Land $64,500 Building $317,700
2024	$4,418.00	$294,700 Land $58,600 Building $236,100

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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	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 272 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

May also be available: Verizon.

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