92 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 92 Ash St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,321 sqft · built 1900
Lot Size	0.173 acres (7,524 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Jun 2026)
Tax Bill	$4,287 (2026)
Deeds & Mortgages	Mar 2024 Refinance Jun 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:M-26 B:0010 L:0010`

Property Details

APN / Parcel Number

Primary APN	`M:M-26 B:0010 L:0010`
Alternative APN	`GARD M:M27 B:18 L:57`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,321 sqft Living Area
Gross Area	2,377 sqft
Basement Area	714 sqft
Unfinished Basement	714 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,524 sqft (0.173 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	92 ASH ST
City	GARDNER
State	MA
Zip	01440-2110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	18
Legal Lot Number	57
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2004
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	Individual Name on Record
Mailing Address	92 ASH ST, GARDNER, MA 01440-2110
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance FIDELITY COOPERATIVE BANK
Jun 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage TOTAL MORTGAGE SERVICES
Jun 12, 2026	Quit Claim Deed, Transfer · Conventional Mortgage TOTAL MORTGAGE SERVICES
Dec 28, 2022	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2026 · Amount on Record
Deed Sale	Jun 12, 2026 · Amount on Record
Prior Sale	May 14, 2024 · Amount on Record
Deed Document Number	202647735
Deed Book / Page	73713 / 5
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	92 ASH ST, GARDNER, MA 01440-2110
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070334-16
Date	Mar 28, 2024
Book Page	70334/16
Instrument	22287

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2044

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Jun 12, 2026
Property Address	92 ASH ST, GARDNER, MA 01440-2110
Document Number	0073713-26
Book / Page	73713 / 26
Instrument Date	Jun 12, 2026
Instrument	202647737
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 ASH ST, GARDNER, MA 01440-2110

Mortgage

Document Number	0000047737,
Date	Jun 12, 2026
Book Page	73713/26
Instrument	202647737

Lender

Name	TOTAL MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 12, 2026
Property Address	92 ASH ST, GARDNER, MA 01440-2110
Document Number	0000047735
Book / Page	73713 / 5
Instrument Date	Jun 8, 2026
Instrument	202647735
Transaction Type	Transfer
Record Updated	Jul 1, 2026

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
Relationship	Joint Tenants
Address	92 ASH ST, GARDNER, MA 01440-2110

Mortgage

Date	Jun 12, 2026

Lender

Name	TOTAL MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 28, 2022
Property Address	92 ASH ST, GARDNER, MA 01440-2110
Document Number	068659-262
Book / Page	68659 / 262
Instrument Date	Dec 27, 2022
Instrument	136213
Transaction Type	Transfer
Record Updated	Jan 13, 2023

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
Relationship	Joint Tenants with Right of Survivorship
Address	92 ASH ST, GARDNER, MA 01440-2110

Mortgage

Document Number	0000136214
Date	Dec 28, 2022
Instrument	136214

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
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	Assessed Market Value
2026	$4,287.00 (+10,356.1%)	$311,300 (+8.24%) Land $73,800 Building $237,500	$347,612 (+7.21%)
2025	$41.00 (-98.87%)	$287,600 (+18.74%) Land $67,100 Building $220,500	$324,235
2024	$3,631.00 (+4.46%)	$242,200 (+12.39%) Land $61,000 Building $181,200
2023	$3,476.00	$215,500 Land $60,100 Building $155,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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