Worcester County and Gardner City property record for 81 Emerald St, #83, Gardner, MA 01440
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 8 bd · 4 ba · 3,741 sqft · built 1900 |
| Lot Size | 0.121 acres (5,265 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Aug 2022) |
| Tax Bill | $44 (2025) |
| Deeds & Mortgages | Oct 2024 Mortgage Aug 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | M:O-20 B:0020 L:0013 |
| Primary APN | M:O-20 B:0020 L:0013 |
|---|---|
| Alternative APN |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 20 Rooms |
| Units | 4 Units |
| Stories | 4 Stories |
| Building Area | 3,741 sqft Living Area |
| Gross Area | 5,685 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Flat |
| Roof Material | Other |
| Lot Area | 5,265 sqft (0.121 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 81 EMERALD ST, 83 |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2920 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Legal Block | 25 |
| Legal Lot Number | 56 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 707300 |
81 Emerald St, #83 is owned by an individual who acquired it in October 2024.
Source: Worcester County and Gardner City records, as of April 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9 SCRIBNER RD, TYNGSBORO, MA 01879-2311 |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| Oct 23, 2024 | Quit Claim Deed, Transfer · ARM JEANNE D ARC CU |
| Aug 10, 2022 | Quit Claim Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 10, 2022 · Amount on File |
| Deed Sale | Aug 10, 2022 · Amount on File |
| Deed Document Number | 202288018 |
| Deed Book / Page | 68047 / 385 |
| Last Transfer Date | Oct 23, 2024 |
| Transfer Doc | 0000087323 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 23, 2024 |
| Property Address | 81 EMERALD ST # 83, 83, GARDNER, MA 01440-2920 |
| Document Number | 071193-250 |
| Book / Page | 71193 / 250 |
| Instrument Date | Oct 23, 2024 |
| Instrument | 87323 |
| Transaction Type | Transfer |
| Record Updated | Nov 8, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9 SCRIBNER RD, TYNGSBORO, MA 01879-2311 |
| Document Number | 071193-253 |
|---|---|
| Date | Oct 23, 2024 |
| Book Page | 71193/253 |
| Instrument | 87324 |
| Name | JEANNE D ARC CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Nov 1, 2029 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Aug 10, 2022 |
| Property Address | 81-83 EMERALD ST, GARDNER, MA 01440 |
| Document Number | 068047-385 |
| Book / Page | 68047 / 385 |
| Instrument Date | Aug 8, 2022 |
| Instrument | 88018 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9 SCRIBNER RD, TYNGSBORO, MA 01879-2311 |
The 2025 property tax bill for 81 Emerald St, #83 was $44, down 98.9% 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 |
|---|---|---|---|
| 2025 | $44.00 (-98.89%) | $310,800 (+17.95%) Land $65,800 Building $245,000 | $348,175 |
| 2024 | $3,950.00 (-25.39%) | $263,500 (-19.71%) Land $59,800 Building $203,700 | |
| 2023 | $5,294.00 | $328,200 Land $58,900 Building $269,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 81 Emerald St, #83 in Zone X, an area of minimal flood risk.
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 risk around 81 Emerald St, #83 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 | None beyond ember reach |
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 446 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures