Worcester County and Gardner City property record for 81 Limerick St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,526 sqft · built 1870 |
| Lot Size | 0.549 acres (23,928 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $450,000 (Jul 2026) |
| Tax Bill | $4,789 (2026) |
| Deeds & Mortgages | Jul 2026 Sale Sep 2024 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:O-21 B:0007A L:0008 |
| Primary APN | M:O-21 B:0007A L:0008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,526 sqft Living Area |
| Gross Area | 2,760 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,928 sqft (0.549 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 81 LIMERICK ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2943 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Block | 20 |
| Legal Lot Number | 72 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 707300 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 81 LIMERICK ST, GARDNER, MA 01440-2943 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Jul 20, 2026 | Quit Claim Deed, Transfer |
| Sep 17, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage E MORTGAGE MANAGEMENT LLC |
| Dec 13, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance FTF LENDING LLC |
| Jun 22, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance FTF LENDING LLC |
| May 7, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage MARK MCDERMOTT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 20, 2026 · Amount on Record |
| Deed Sale | Jul 20, 2026 · Amount on Record |
| Prior Sale | Sep 17, 2024 · Amount on Record |
| Deed Document Number | 202660934 |
| Deed Book / Page | 73899 / 335 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 20, 2026 |
| Property Address | 81 LIMERICK ST, GARDNER, MA 01440-2943 |
| Document Number | 0000060934 |
| Book / Page | 73899 / 335 |
| Instrument Date | Jul 8, 2026 |
| Instrument | 202660934 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 81 LIMERICK ST, GARDNER, MA 01440-2943 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Sep 17, 2024 |
| Property Address | 81 LIMERICK ST, GARDNER, MA 01440-2943 |
| Document Number | 071036-272 |
| Book / Page | 71036 / 272 |
| Instrument Date | Sep 17, 2024 |
| Instrument | 75752 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 81 LIMERICK ST, GARDNER, MA 01440-2943 |
| Document Number | 0000075753 |
|---|---|
| Date | Sep 17, 2024 |
| Instrument | 75753 |
| Name | E MORTGAGE MANAGEMENT LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 071036-294 |
|---|---|
| Date | Sep 17, 2024 |
| Book Page | 71036/294 |
| Instrument | 75754 |
| Name | E MORTGAGE MANAGEMENT LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 81 LIMERICK ST, GARDNER, MA 01440-2943 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2023 |
| Name | Verified Name |
|---|
| Document Number | 069987-291 |
|---|---|
| Date | Dec 13, 2023 |
| Book Page | 69987/291 |
| Instrument | 104138 |
| Name | FTF LENDING LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 81 LIMERICK ST, GARDNER, MA 01440-2943 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 067791-206 |
|---|---|
| Date | Jun 22, 2022 |
| Book Page | 67791/206 |
| Instrument | 68153 |
| Name | FTF LENDING LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | May 7, 2019 |
| Property Address | 81 LIMERICK ST, GARDNER, MA 01440-2943 |
| Document Number | 60372-65 |
| Book / Page | 60372 / 65 |
| Instrument Date | May 3, 2019 |
| Instrument | 40724 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 ELMDALE RD, UXBRIDGE, MA 01569-1963 |
| Document Number | 40725 |
|---|---|
| Date | May 7, 2019 |
| Instrument | 40725 |
| Name | MARK MCDERMOTT |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $4,789.00 (+21,668.18%) | $347,800 (+117.92%) Land $63,300 Building $284,500 | $415,888 |
| 2025 | $22.00 (-99.06%) | $159,600 (+2.37%) Land $57,500 Building $102,100 | |
| 2024 | $2,337.00 (+4.7%) | $155,900 (+12.64%) Land $52,300 Building $103,600 | |
| 2023 | $2,232.00 | $138,400 Land $51,500 Building $86,900 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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