76 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 76 Ash St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 1,800 sqft · built 1910
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$262,500 (May 2022)
Tax Bill	$4,265 (2026)
Deeds & Mortgages	Nov 2025 Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:M-25 B:0008 L:0057`

Property Details

APN / Parcel Number

Primary APN	`M:M-25 B:0008 L:0057`
Alternative APN	`GARD M:M27 B:23 L:57`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,800 sqft Living Area
Gross Area	3,198 sqft
Basement Area	888 sqft
Unfinished Basement	888 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	76 ASH ST
City	GARDNER
State	MA
Zip	01440-2150
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	23
Legal Lot Number	57
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2004
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	Individual Name on Record
Mailing Address	76 ASH ST, GARDNER, MA 01440-2150
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
May 4, 2022	Quit Claim Deed, Transfer · FHA Mortgage SEACOAST MORTGAGE CORPORATION
Dec 12, 2018	Quit Claim Deed, Transfer · Stand-Alone Refinance VILLAGE MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2022 · Amount on Record
Deed Sale	May 4, 2022 · Amount on Record
Prior Sale	Feb 27, 2013 · Amount on Record
Deed Book / Page	67541 / 125
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	76 ASH ST, GARDNER, MA 01440-2150
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072893-200
Date	Nov 26, 2025
Book Page	72893/200
Instrument	103994

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 4, 2022
Property Address	76 ASH ST, GARDNER, MA 01440-2150
Document Number	067541-125
Book / Page	67541 / 125
Instrument Date	May 4, 2022
Instrument	49045
Transaction Type	Transfer
Record Updated	May 20, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	76 ASH ST, GARDNER, MA 01440-2150

Mortgage

Document Number	0000049046
Date	May 4, 2022
Instrument	49046

Lender

Name	SEACOAST MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 12, 2018
Property Address	76 ASH ST, GARDNER, MA 01440-2150
Document Number	59806-230
Book / Page	59806 / 230
Instrument Date	Dec 7, 2018
Instrument	131167
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	76 ASH ST, GARDNER, MA 01440-2150

Mortgage

Document Number	59806-233
Date	Dec 12, 2018
Book Page	59806/233
Instrument	131168

Lender

Name	VILLAGE MORTGAGE COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2050

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	Assessed Market Value
2026	$4,265.00 (+15.43%)	$309,700 (+20.37%) Land $73,400 Building $236,300	$345,059
2025	$3,695.00 (+0.27%)	$257,300 (+4.68%) Land $66,700 Building $190,600
2024	$3,685.00 (+4.9%)	$245,800 (+12.86%) Land $60,700 Building $185,100
2023	$3,513.00	$217,800 Land $59,800 Building $158,000

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

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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