79 Oak St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 79 Oak St, Gardner, MA 01440

Property Summary

Property Type	Apartments (5+ Units)
Details	9 bd · 6 ba · 4,241 sqft · built 1900
Lot Size	0.124 acres (5,395 sqft)
Owner	Company Name on Record
Last Sale	$225,000 (Oct 2018)
Tax Bill	$7,030 (2026)
Deeds & Mortgages	Aug 2025 Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:N-25 B:0036 L:0055`

Property Details

APN / Parcel Number

Primary APN	`M:N-25 B:0036 L:0055`
Alternative APN	`GARD M:M27 B:24 L:55`

Interior

Bedrooms	9 Beds
Full Baths	6 Baths
Total Rooms	21 Rooms
Units	6 Units
Stories	3 Stories
Building Area	4,241 sqft Living Area
Gross Area	6,841 sqft
Basement Area	1,437 sqft
Unfinished Basement	1,437 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	5,395 sqft (0.124 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	79 OAK ST
City	GARDNER
State	MA
Zip	01440-3867
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	55
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1000
Census Tract	707300

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	Company Name on Record
Mailing Address	1 HARMONY LN, GEORGETOWN, MA 01833-2121
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2025	Deed of Trust, Mortgage · Commercial Mortgage LOWELL FIVE CENTS SAVINGS BANK
Oct 12, 2018	Quit Claim Deed, Transfer · Commercial Mortgage LOWELL FIVE CENTS SAVINGS BANK
Jun 30, 2017	Quit Claim Deed, Transfer · Commercial Mortgage LOWELL FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 12, 2018 · Amount on Record
Deed Sale	Oct 12, 2018 · Amount on Record
Prior Sale	Jun 30, 2017 · Amount on Record
Deed Book / Page	59541 / 123
Transfer Doc	059541-123
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	79 OAK ST, GARDNER, MA 01440-3867
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072353-89
Date	Aug 4, 2025
Book Page	72353/89
Instrument	64963

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 12, 2018
Property Address	79 OAK ST, GARDNER, MA 01440-3867
Document Number	59541-123
Book / Page	59541 / 123
Instrument	108705
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35.45
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	595410126
Date	Oct 12, 2018
Instrument	59541/0126

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 30, 2017
Property Address	79 OAK ST, GARDNER, MA 01440-3867
Document Number	57361-341
Book / Page	57361 / 341
Instrument	69786
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 OAK ST, BALDWINVILLE, MA 01436-1021

Mortgage

Document Number	573610345
Date	Jun 30, 2017
Instrument	57361/0345

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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
2026	$7,030.00 (+9.69%)	$510,500 (+14.38%) Land $72,400 Building $438,100
2025	$6,409.00 (+13.61%)	$446,300 (+18.6%) Land $65,800 Building $380,500
2024	$5,641.00 (+0.89%)	$376,300 (+8.57%) Land $59,900 Building $316,400
2023	$5,591.00	$346,600 Land $59,000 Building $287,600

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

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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