Worcester County and Gardner City property record for 89 Emerald St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,063 sqft · built 1880 |
| Lot Size | 0.172 acres (7,473 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (Oct 2025) |
| Tax Bill | $5,085 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Feb 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:O-20 B:0018 L:0011 |
| Primary APN | M:O-20 B:0018 L:0011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,063 sqft Living Area |
| Gross Area | 2,327 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 7,473 sqft (0.172 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 89 EMERALD ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2920 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 25 |
| Legal Lot Number | 11 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 707300 |
Source: Worcester County and Gardner City records, as of April 14, 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 Record |
|---|---|
| Mailing Address | 89 EMERALD ST, GARDNER, MA 01440-2920 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 17, 2025 | Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC |
| Feb 7, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORCOM MORTGAGE |
| Jul 24, 2023 | Quit Claim Deed, Transfer |
| Dec 30, 2021 | Quit Claim Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2025 · Amount on Record |
| Deed Sale | Oct 17, 2025 · Amount on Record |
| Prior Sale | Feb 7, 2024 · Amount on Record |
| Deed Book / Page | 72690 / 193 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 17, 2025 |
| Property Address | 89 EMERALD ST, GARDNER, MA 01440-2920 |
| Document Number | 072690-193 |
| Book / Page | 72690 / 193 |
| Instrument Date | Oct 16, 2025 |
| Instrument | 89897 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 89 EMERALD ST, GARDNER, MA 01440-2920 |
| Document Number | 0000089898 |
|---|---|
| Date | Oct 17, 2025 |
| Instrument | 89898 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Feb 7, 2024 |
| Property Address | 89 EMERALD ST, GARDNER, MA 01440-2920 |
| Document Number | 070173-307 |
| Book / Page | 70173 / 307 |
| Instrument Date | Feb 7, 2024 |
| Instrument | 9447 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| 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 |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 89 EMERALD ST, GARDNER, MA 01440-2920 |
| Investor | Possibly a Property Investor |
| Document Number | 0000009448 |
|---|---|
| Date | Feb 7, 2024 |
| Instrument | 9448 |
| Name | NORCOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 24, 2023 |
| Property Address | 89 EMERALD ST, GARDNER, MA 01440-2920 |
| Document Number | 0069419-88 |
| Book / Page | 69419 / 88 |
| Instrument Date | Jul 17, 2023 |
| Instrument | 59230 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 33 MONUMENT DR, OXFORD, MA 01540-1957 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Dec 30, 2021 |
| Property Address | 89 EMERALD ST, GARDNER, MA 01440-2920 |
| Document Number | 0066866-30 |
| Book / Page | 66866 / 30 |
| Instrument Date | Dec 28, 2021 |
| Instrument | 183433 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7520 NW 104TH AVE UNIT A103, A103, DORAL, FL 33178-3375 |
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 |
|---|---|---|---|
| 2025 | $5,085.00 (+72.78%) | $354,100 (+80.39%) Land $67,000 Building $287,100 | $320,245 |
| 2024 | $2,943.00 (+31.38%) | $196,300 (+41.32%) Land $61,000 Building $135,300 | |
| 2023 | $2,240.00 | $138,900 Land $60,100 Building $78,800 |
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 |
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