75 Oak St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 75 Oak St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	6 bd · 3 ba · 3,705 sqft · built 1900
Lot Size	0.12 acres (5,220 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Nov 2020)
Tax Bill	$98 (2025)
Deeds & Mortgages	Sep 2023 Refinance Oct 2017 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`M:N-25 B:0038 L:0057`

Property Details

APN / Parcel Number

Primary APN	`M:N-25 B:0038 L:0057`
Alternative APN	`GARD M:M27 B:24 L:57`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	18 Rooms
Units	2 Units
Stories	3 Stories
Building Area	3,705 sqft Living Area
Gross Area	5,852 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Asphalt
Lot Area	5,220 sqft (0.12 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	75 OAK ST
City	GARDNER
State	MA
Zip	01440-3958
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	24
Legal Lot Number	57
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1000
Census Tract	707300

Owner

Source: Worcester County and Gardner City records, as of April 14, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1511 SILVER LAKE ST, ATHOL, MA 01331
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Quit Claim Deed, Transfer · Stand-Alone Refinance NEXERA HOLDING LLC
Oct 4, 2017	Deed in Lieu of Foreclosure, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2020 · Amount on Record
Deed Sale	Nov 25, 2020 · Amount on Record
Prior Sale	Oct 4, 2017 · Amount on Record
Last Transfer Date	Sep 21, 2023
Transfer Doc	0000079929
Record Updated	Sep 20, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 26, 2023
Property Address	75 OAK ST, GARDNER, MA 01440-3958
Document Number	069685-156
Book / Page	69685 / 156
Instrument Date	Sep 21, 2023
Instrument	79929
Transaction Type	Transfer
Record Updated	Oct 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1151 SILVER LAKE ST, ATHOL, MA 01331-9665

Mortgage

Document Number	069685-161
Date	Sep 26, 2023
Book Page	69685/161
Instrument	79930

Lender

Name	NEXERA HOLDING LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

October 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Oct 4, 2017
Property Address	75 OAK ST, GARDNER, MA 01440-3958
Document Number	57839-277
Book / Page	057839 / 000277
Instrument Date	Sep 21, 2017
Instrument	227
Transaction Type	Foreclosure
Record Updated	Oct 24, 2017

Transaction

Amount	Amount Recorded
Tax	$611.00
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13801 WIRELESS WAY OKLAHOMA CITY OK 731342500, OKLAHOMA CITY, OK 73134-2500

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
2025	$98.00 (-97.96%)	$685,900 (+113.68%) Land $62,400 Building $623,500
2024	$4,812.00 (+12.04%)	$321,000 (+20.54%) Land $56,800 Building $264,200
2023	$4,295.00	$266,300 Land $55,900 Building $210,400

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

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

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.

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 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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