Worcester County and Gardner City property record for 81 Stuart St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1900 |
| Square Footage | 1,314 sqft Living Area |
| Lot Size | 10,750 sqft (0.247 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $435,000 (2025) |
| Tax Bill | $2,277.00 (2025) |
Source: Worcester County and Gardner City records · APN GARD M:M32 B:24 L:5
Assessment roll updated April 14, 2026 · Last verified April 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 | 81 STUART ST, GARDNER, MA 01440-1961 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Tenant By Entirety |
| Date | Document |
|---|---|
| Dec 17, 2024 | Deed of Trust, Mortgage · Stand Alone Refinance CROSSCOUNTRY MORTGAGE INC |
| Apr 04, 2024 | Deed of Trust, Mortgage · Stand Alone Refinance WEBER LIBERATO |
| Apr 28, 2025 | Quit Claim Arm's Length for NE States, Transfer · Federal Housing Administration (FHA) Mortgage EQUITY PRIME MTG |
| Jan 13, 2023 | Quit Claim Arm's Length for NE States, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 28, 2025 · Amount on Record |
| Deed Sale | Apr 28, 2025 · Amount on Record |
| Prior Sale | Jan 13, 2023 · Amount on Record |
| Deed Book / Page | 71910 / 37 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 81 STUART ST, GARDNER, MA 01440-1961 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 00071430-1 |
|---|---|
| Date | Dec 17, 2024 |
| Book Page | 71430/1 |
| Instrument | 105155 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 81 STUART ST, GARDNER, MA 01440-1961 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 070363-249 |
|---|---|
| Date | Apr 04, 2024 |
| Book Page | 70363/249 |
| Instrument | 24615 |
| Name | WEBER LIBERATO |
|---|
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 28, 2025 |
| Property Address | 81 STUART ST, GARDNER, MA 01440-1961 |
| Document Number | 0071910-37 |
| Book / Page | 71910 / 37 |
| Instrument Date | Apr 28, 2025 |
| Instrument | 32660 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 81 STUART ST, GARDNER, MA 01440-1961 |
| Document Number | 0000032661 |
|---|---|
| Date | Apr 28, 2025 |
| Instrument | 32661 |
| Name | EQUITY PRIME MTG |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jan 13, 2023 |
| Property Address | 81 STUART ST, GARDNER, MA 01440-1961 |
| Document Number | 068717-359 |
| Book / Page | 68717 / 359 |
| Instrument Date | Jan 06, 2023 |
| Instrument | 3643 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 93 UNION ST, EVERETT, MA 02149-4837 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,277.00 (-31.23%) | $158,600 (-28.2%) Land $51,700 Building $106,900 | $409,355 |
| 2024 | $3,311.00 (+3.63%) | $220,900 (+11.51%) Land $47,000 Building $173,900 | |
| 2023 | $3,195.00 | $198,100 Land $46,400 Building $151,700 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | GARD M:M32 B:24 L:5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 1,314 sqft Living Area |
| Gross Area | 2,337 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 10,750 sqft (0.247 acres) |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Street Address | 81 STUART ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1961 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 24 |
| Legal Lot Number | 5 |
| Jurisdiction | GARDNER MA |
| Minor Civil Division | GARDNER |
| Census Blockgroup | 1 |
| Census Block | 1028 |
| Census Tract | 707400 |
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