86 Park St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 86 Park St, Gardner, MA 01440

Property Summary

Property Type	Apartments (5+ Units)
Details	9 bd · 6 ba · 8,640 sqft · built 1900
Lot Size	0.164 acres (7,155 sqft)
Owner	Company Name on Record
Last Sale	$680,000 (Aug 2021)
Tax Bill	$12,068 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Oct 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:O-26 B:0002 L:0011`

Property Details

APN / Parcel Number

Primary APN	`M:O-26 B:0002 L:0011`
Alternative APN	`GARD M:M27 B:20 L:43`

Interior

Bedrooms	9 Beds
Full Baths	6 Baths
Total Rooms	24 Rooms
Units	6 Units
Stories	3 Stories
Building Area	8,640 sqft Living Area
Gross Area	13,248 sqft
Basement Area	2,880 sqft
Unfinished Basement	2,880 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Rolled Roofing
Lot Area	7,155 sqft (0.164 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	86 PARK ST
City	GARDNER
State	MA
Zip	01440-1659
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	R1
Legal Block	20
Legal Lot Number	43
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2010
Census Tract	707400

Owner

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	Company Name on Record
Mailing Address	PO BOX 1127, STERLING, MA 01564-1127
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WORKERS CU
Oct 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2021 · Amount on Record
Deed Sale	Aug 13, 2021 · Amount on Record
Prior Sale	Sep 19, 2006 · Amount on Record
Deed Document Number	2021113807
Deed Book / Page	65831 / 116
Record Updated	Oct 29, 2026

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 13, 2021
Property Address	86 PARK ST, GARDNER, MA 01440-1659
Document Number	065831-116
Book / Page	65831 / 116
Instrument Date	Aug 13, 2021
Instrument	113807
Transaction Type	Transfer
Record Updated	Jan 24, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1127, STERLING, MA 01564-1127

Mortgage

Document Number	0000113808
Date	Aug 13, 2021
Instrument	113808

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	86 PARK ST, GARDNER, MA 01440-1659
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61300-216
Date	Oct 25, 2019
Book Page	61300/216
Instrument	113419

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Gardner City
Unified School District	Gardner School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$12,068.00 (+10,971.56%)	$876,400 (+14.61%) Land $73,600 Building $802,800
2025	$109.00 (-98.87%)	$764,700 (+19.2%) Land $66,900 Building $697,800
2024	$9,616.00 (+1.37%)	$641,500 (+9.08%) Land $60,800 Building $580,700
2023	$9,486.00	$588,100 Land $59,900 Building $528,200

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 519 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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