Worcester County and Gardner City property record for 76 Foster Ct, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,901 sqft · built 2005 |
| Lot Size | 0.922 acres (40,168 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $324,000 (May 2017) |
| Tax Bill | $7,556 (2026) |
| Deeds & Mortgages | Jun 2020 Refinance May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:W22 B:3 L:4 |
| Primary APN | GARD M:W22 B:3 L:4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,901 sqft Living Area |
| Gross Area | 5,507 sqft |
| Basement Area | 1,901 sqft |
| Unfinished Basement | 1,901 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,168 sqft (0.922 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 76 FOSTER CT |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-4242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 707500 |
76 Foster Ct is owned and occupied by two individuals who bought it in May 2017.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 76 FOSTER CT, GARDNER, MA 01440-4242 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 24, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP |
| May 31, 2017 | Deed, Transfer SALEM FIVE MTG CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2017 · Amount on File |
| Deed Sale | May 31, 2017 · Amount on File |
| Prior Sale | May 18, 2005 · Amount on File |
| Deed Document Number | 201755710 |
| Deed Book / Page | 57195 / 320 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 76 FOSTER CT, GARDNER, MA 01440-4242 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62658-1 |
|---|---|
| Date | Jun 24, 2020 |
| Book Page | 62658/1 |
| Instrument | 66654 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | May 31, 2017 |
| Property Address | 76 FOSTER CT, GARDNER, MA 01440-4242 |
| Document Number | 57195-320 |
| Book / Page | 57195 / 320 |
| Instrument | 55710 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $56.61 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 76 FOSTER CT, GARDNER, MA 01440-4242 |
| Document Number | 571950324 |
|---|---|
| Date | May 31, 2017 |
| Instrument | 57195/0324 |
| Name | SALEM FIVE MTG CO |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | May 31, 2047 |
The 2026 property tax bill for 76 Foster Ct was $7,556, up 10,110.8% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,556.00 (+10,110.81%) | $548,700 (+5.62%) Land $111,400 Building $437,300 | $554,161 (+12.59%) |
| 2025 | $74.00 (-99.02%) | $519,500 (+2.95%) Land $96,200 Building $423,300 | $492,195 |
| 2024 | $7,564.00 (+4.45%) | $504,600 (+12.38%) Land $87,600 Building $417,000 | |
| 2023 | $7,242.00 | $449,000 Land $98,300 Building $350,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 76 Foster Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 76 Foster Ct is low, with a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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