Worcester County and Gardner City property record for 83 Cross St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 2.5 ba · 3,367 sqft · built 1905 |
| Lot Size | 0.197 acres (8,582 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $59 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R22 B:3 L:24 |
| Primary APN | GARD M:R22 B:3 L:24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,367 sqft Living Area |
| Gross Area | 5,988 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 8,582 sqft (0.197 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 83 CROSS ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | TERRENCE E HOGAN GARDNER |
| Legal Block | 3 |
| Legal Lot Number | 24 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City records · APN GARD M:R22 B:3 L:24
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 83 CROSS ST, GARDNER, MA 01440-2214 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 83 CROSS ST, GARDNER, MA 01440-2214 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 067491-387 |
|---|---|
| Date | Apr 26, 2022 |
| Book Page | 67491/387 |
| Instrument | 45434 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 253 Months |
| Due | May 01, 2043 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $59.00 (-99.04%) | $413,500 (+1.1%) Land $67,700 Building $345,800 | $406,790 |
| 2024 | $6,131.00 (+2.37%) | $409,000 (+10.15%) Land $61,500 Building $347,500 | |
| 2023 | $5,989.00 | $371,300 Land $60,600 Building $310,700 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277075003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 388 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 2,000 |
| Gateway Fiber Holdings | Fiber | 2,000 / 2,000 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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