75 Union St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,386 sqft · built 1900
Lot Size	0.175 acres (7,623 sqft)
Owner	Individual Name on Record
Last Sale	$181,000 (Apr 2018)
Tax Bill	$42 (2025)
Deeds & Mortgages	Jun 2020 Refinance Apr 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:3 L:32`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:3 L:32`
Alternative APN	`M:R-14 B:0052 L:0004`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,386 sqft Living Area
Gross Area	3,762 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,623 sqft (0.175 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	75 UNION ST
City	GARDNER
State	MA
Zip	01440-3427
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	3
Legal Lot Number	32
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1000
Census Tract	707100

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	75 UNION ST, GARDNER, MA 01440-3427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 30, 2018	Quit Claim Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 22, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2018 · Amount on Record
Deed Sale	Apr 30, 2018 · Amount on Record
Prior Sale	Jun 22, 2017 · Amount on Record
Deed Book / Page	58737 / 174
Transfer Doc	53234-94
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	75 UNION ST, GARDNER, MA 01440-3427
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062635-57
Date	Jun 22, 2020
Book Page	62635/57
Instrument	65237

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 30, 2018
Property Address	75 UNION ST, GARDNER, MA 01440-3427
Document Number	58737-174
Book / Page	58737 / 174
Instrument	40864
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26.39
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 UNION ST, GARDNER, MA 01440-3427

Mortgage

Document Number	587370177
Date	Apr 30, 2018
Instrument	58737/0177

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 30, 2048

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 22, 2017
Property Address	75 UNION ST, GARDNER, MA 01440-3427
Document Number	57298-53
Book / Page	057298 / 000053
Instrument Date	Apr 26, 2017
Instrument	64629
Transaction Type	Transfer
Record Updated	Jul 11, 2017

Transaction

Amount	Amount Recorded
Tax	$255.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 LIBERTY ST BALDWINVILLE MA 014361104, BALDWINVILLE, MA 01436-1104

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	$42.00 (-99.01%)	$299,400 (+5.76%) Land $67,100 Building $232,300
2024	$4,244.00 (+2.79%)	$283,100 (+10.59%) Land $61,000 Building $222,100
2023	$4,129.00	$256,000 Land $60,100 Building $195,900

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
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

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 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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