Worcester County and Gardner City property record for 76 Cross St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,389 sqft · built 1875 |
| Lot Size | 0.292 acres (12,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Dec 2017) |
| Tax Bill | $67 (2025) |
| Deeds & Mortgages | Dec 2017 Sale & Mortgage Dec 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R22 B:3 L:6 |
| Primary APN | GARD M:R22 B:3 L:6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,389 sqft Living Area |
| Gross Area | 5,539 sqft |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1875 |
| Architectural Style | Historical |
| Exterior Material | Wood Siding |
| Roof Type | Mansard |
| Roof Material | Slate |
| Lot Area | 12,712 sqft (0.292 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 76 CROSS ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2212 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 3 |
| Legal Lot Number | 6 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City records · APN GARD M:R22 B:3 L:6
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 76 CROSS ST, GARDNER, MA 01440-2212 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 27, 2017 | Quit Claim Deed, Transfer CITIBANK NA |
| Dec 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD ASSISTANCE |
| Feb 16, 2017 | Foreclosure |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 27, 2017 · Amount on Record |
| Deed Sale | Dec 27, 2017 · Amount on Record |
| Prior Sale | Feb 16, 2017 · Amount on Record |
| Deed Book / Page | 58246 / 101 |
| Transfer Doc | 0000096643 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 27, 2017 |
| Property Address | 76 CROSS ST, GARDNER, MA 01440-2212 |
| Document Number | 58246-101 |
| Book / Page | 58246 / 101 |
| Instrument | 144978 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $52.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 76 CROSS ST, GARDNER, MA 01440-2212 |
| Document Number | 582460104 |
|---|---|
| Date | Dec 27, 2017 |
| Instrument | 58246/0104 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 27, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 76 CROSS ST, GARDNER, MA 01440-2212 |
| Document Number | 58249-117 |
| Instrument Date | Dec 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Document Number | 58249-117 |
|---|---|
| Date | Dec 27, 2017 |
| Book Page | 058249/000117 |
| Instrument | 145271 |
| Name | NEIGHBORHOOD ASSISTANCE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Feb 16, 2017 |
| Property Address | 76 CROSS ST, GARDNER, MA 01440-2212 |
| Document Number | 56750-364 |
| Book / Page | 056750 / 000364 |
| Instrument Date | Nov 06, 2016 |
| Instrument | 17073 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 07, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $305.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4425 PONCE DE LEON BLVD CORAL GABLES FL 331461837, CORAL GABLES, FL 33146-1837 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $67.00 (-98.97%) | $466,800 (+7.11%) Land $70,200 Building $396,600 | $362,235 |
| 2024 | $6,533.00 (+27.65%) | $435,800 (+37.35%) Land $63,800 Building $372,000 | |
| 2023 | $5,118.00 | $317,300 Land $62,900 Building $254,400 |
Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| 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 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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Gardner Uptown Historic District listed 1999 · 88 contributing resources · NRIS 99000660 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Holdings Fiber | 2,000 / 2,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 388 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARDNER WATER DEPARTMENT serves 21,381 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 3 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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