76 Cross St, Gardner, MA 01440 Property Records

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

Property Summary

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`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:3 L:6`
Alternative APN	`M:R-24 B:0001 L:0006`

Interior

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

Exterior

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)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

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

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

Source: Worcester County and Gardner City assessment roll, 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 File
Mailing Address	76 CROSS ST, GARDNER, MA 01440-2212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

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

Assessor's Deed Record

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

December 2017: Quit Claim Deed, Transfer

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

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$52.00
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 CROSS ST, GARDNER, MA 01440-2212

Mortgage

Document Number	582460104
Date	Dec 27, 2017
Instrument	58246/0104

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2047

December 2017: Deed of Trust, Mortgage

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

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58249-117
Date	Dec 27, 2017
Book Page	058249/000117
Instrument	145271

Lender

Name	NEIGHBORHOOD ASSISTANCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2017: Foreclosure

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 6, 2016
Instrument	17073
Transaction Type	Foreclosure
Record Updated	Mar 7, 2017

Transaction

Amount	Amount Recorded
Tax	$305.90
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4425 PONCE DE LEON BLVD CORAL GABLES FL 331461837, CORAL GABLES, FL 33146-1837

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
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

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
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	None beyond ember reach

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

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.

Nearby Properties on Cross St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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