Worcester County and Gardner City property record for 84 Euclid St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,201 sqft · built 1935 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $365,000 (Mar 2026) |
| Tax Bill | $4,152 (2026) |
| Deeds & Mortgages | Nov 2022 Mortgage Mar 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:L-27 B:0009 L:0024 |
| Primary APN | M:L-27 B:0009 L:0024 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,201 sqft Living Area |
| Gross Area | 2,468 sqft |
| Basement Area | 728 sqft |
| Unfinished Basement | 728 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 84 EUCLID ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1975 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 12 |
| Legal Lot Number | 24 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 707400 |
84 Euclid St is owned and occupied by two individuals who bought it in March 2026.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 84 EUCLID ST, GARDNER, MA 01440-1975 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Nov 3, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Mar 26, 2026 | Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC |
| Jul 7, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP |
| Feb 25, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Nov 30, 2017 | Quit Claim Deed, Transfer · FHA Mortgage SALEM FIVE MTG CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 2026 · Amount on File |
| Deed Sale | Mar 26, 2026 · Amount on File |
| Prior Sale | Jul 7, 2023 · Amount on File |
| Deed Document Number | 202622883 |
| Deed Book / Page | 73362 / 63 |
| Prior Transfer Date | Mar 11, 2026 |
| Prior Transfer Doc | 0073362-63 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 84 EUCLID ST, GARDNER, MA 01440-1975 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0068443-10 |
|---|---|
| Date | Nov 3, 2022 |
| Book Page | 68443/10 |
| Instrument | 118938 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 1, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Mar 26, 2026 |
| Property Address | 84 EUCLID ST, GARDNER, MA 01440-1975 |
| Document Number | 0073362-63 |
| Book / Page | 73362 / 63 |
| Instrument Date | Mar 11, 2026 |
| Instrument | 22883 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2026 |
| Amount | Amount on Record |
|---|---|
| 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 | 84 EULID ST, GARDNER, MA 01440-1975 |
| Document Number | 0000022884 |
|---|---|
| Date | Mar 26, 2026 |
| Instrument | 22884 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 7, 2023 |
| Property Address | 84 EUCLID ST, GARDNER, MA 01440-1975 |
| Document Number | 069355-351 |
| Book / Page | 69355 / 351 |
| Instrument Date | Jul 7, 2023 |
| Instrument | 54191 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2023 |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Relationship | Joint Venture |
| Address | 84 EUCLID ST, GARDNER, MA 01440-1975 |
| Document Number | 0000054192 |
|---|---|
| Date | Jul 7, 2023 |
| Instrument | 54192 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Feb 25, 2020 |
| Property Address | 84 EUCLID ST, GARDNER, MA 01440-1975 |
| Document Number | 61944-171 |
| Book / Page | 061944 / 000171 |
| Instrument Date | Jan 27, 2020 |
| Instrument | 698 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 84 EUCLID ST GARDNER MA 014401975, GARDNER, MA 01440-1975 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Nov 30, 2017 |
| Property Address | 84 EUCLID ST, GARDNER, MA 01440-1975 |
| Document Number | 58113-177 |
| Book / Page | 58113 / 177 |
| Instrument | 133580 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $24.33 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 84 EUCLID ST, GARDNER, MA 01440-1975 |
| Document Number | 581130180 |
|---|---|
| Date | Nov 30, 2017 |
| Instrument | 58113/0180 |
| Name | SALEM FIVE MTG CO |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 30, 2047 |
The 2026 property tax bill for 84 Euclid St was $4,152, up 9,785.7% 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 |
|---|---|---|---|
| 2026 | $4,152.00 (+9,785.71%) | $301,500 (+2.24%) Land $72,200 Building $229,300 | $349,352 (+14.03%) |
| 2025 | $42.00 (-99%) | $294,900 (+4.91%) Land $65,600 Building $229,300 | $306,375 |
| 2024 | $4,214.00 (+8.86%) | $281,100 (+17.13%) Land $59,700 Building $221,400 | |
| 2023 | $3,871.00 | $240,000 Land $58,800 Building $181,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 84 Euclid St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · rainfall accumulation |
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.
Wildfire risk around 84 Euclid St 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 380 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 |
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