74 Kelton St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1950
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on File
Last Sale	$144,200 (Jun 2020)
Tax Bill	$3,533 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:R-37 B:0002 L:0018`

Property Details

APN / Parcel Number

Primary APN	`M:R-37 B:0002 L:0018`
Alternative APN	`GARD M:R37 B:23 L:18`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	840 sqft Living Area
Gross Area	1,746 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,916 sqft (1.1 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	74 KELTON ST
City	GARDNER
State	MA
Zip	01440-1124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	ROBERT H TOUSIGNANT
Legal Block	23
Legal Lot Number	18
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1016
Census Tract	707500

Owner

74 Kelton St is owned and occupied by an individual who bought it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	74 KELTON ST, GARDNER, MA 01440-1124
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
Oct 26, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WORKERS CU
Jun 12, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANGOR SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2020 · Amount on File
Deed Sale	Jun 12, 2020 · Amount on File
Prior Sale	Sep 5, 2008 · Amount on File
Deed Document Number	202061631
Deed Book / Page	62582 / 97
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	74 KELTON ST, GARDNER, MA 01440-1124
Transaction Type	Mortgage
Record Updated	Nov 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069805-218
Date	Oct 26, 2023
Book Page	69805/218
Instrument	89361

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2043

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 12, 2020
Property Address	74 KELTON ST, GARDNER, MA 01440-1124
Document Number	62582-97
Book / Page	62582 / 97
Instrument Date	Jun 12, 2020
Instrument	61631
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	74 KELTON ST, GARDNER, MA 01440-1124

Mortgage

Document Number	61632
Date	Jun 12, 2020
Instrument	61632

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 74 Kelton St was $3,533, up 9,994.3% 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	$3,533.00 (+9,994.29%)	$256,600 (+5.08%) Land $70,300 Building $186,300	$279,754 (+20.99%)
2025	$35.00 (-98.96%)	$244,200 (+8.53%) Land $64,000 Building $180,200	$231,230
2024	$3,373.00 (+7.35%)	$225,000 (+15.5%) Land $58,300 Building $166,700
2023	$3,142.00	$194,800 Land $57,300 Building $137,500

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

Flood

FEMA maps place 74 Kelton 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

Wildfire risk around 74 Kelton 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Kelton St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures