92 Oak St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,906 sqft · built 1888
Lot Size	0.217 acres (9,450 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,475 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD-M27 24 50`

Property Details

APN / Parcel Number

Primary APN	`GARD-M27 24 50`
Alternative APNs	`M:N-25 B:0009 L:0050` `GARD M:M27 B:24 L:50`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,906 sqft Living Area
Gross Area	3,981 sqft
Basement Area	732 sqft
Unfinished Basement	732 sqft

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Architectural Style	Conventional
Exterior Material	Asbestos
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,450 sqft (0.217 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Old Parcel Number	GARD-M27 24 50
Street Address	92 OAK ST
City	GARDNER
State	MA
Zip	01440-3820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	50
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2007
Census Tract	707400

Owner

92 Oak St is owned and occupied by two individuals who acquired it in August 2026.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	92 OAK ST, GARDNER, MA 01440-3820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2026	Quit Claim Deed, Transfer · FHA Mortgage Quitclaim
Feb 19, 2019	Deed of Trust, Mortgage · Balloon Mortgage FIDELITY COOPERATIVE BANK
Jun 9, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
May 15, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2026
Deed Sale	Aug 18, 2026
Prior Sale	Jun 9, 2021 · Amount on File
Deed Document Number	202671254
Deed Book / Page	74042 / 11
Prior Transfer Date	Jul 24, 2026
Prior Transfer Doc	0000071254
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 18, 2026
Property Address	92 OAK ST, GARDNER, MA 01440-3820
Document Number	0000071254
Book / Page	74042 / 11
Instrument Date	Jul 24, 2026
Instrument	202671254
Transaction Type	Transfer
Record Updated	Sep 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	92 OAK ST, GARDNER, MA 01440-3820

Mortgage

Date	Aug 18, 2026

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	92 OAK ST, GARDNER, MA 01440-3820
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	060059-367
Date	Feb 19, 2019
Book Page	60059/367
Instrument	14891

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2039

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 9, 2021
Property Address	92 OAK ST, GARDNER, MA 01440-3820
Document Number	065348-152
Book / Page	65348 / 152
Instrument Date	Jun 9, 2021
Instrument	79658
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
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	Tenants by the Entirety
Address	92 OAK ST, GARDNER, MA 01440-3820

Mortgage

Document Number	0000079659
Date	Jun 9, 2021
Instrument	79659

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 15, 2019
Property Address	92 OAK ST, GARDNER, MA 01440-3820
Document Number	0060408-50
Book / Page	60408 / 50
Instrument Date	Mar 11, 2019
Instrument	43558
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
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	92 OAK ST, GARDNER, MA 01440-3820

Mortgage

Document Number	0000043559
Date	May 15, 2019
Instrument	43559

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 92 Oak St was $4,475, up 3.8% from the year before.

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	$4,475.00 (+3.8%)	$325,000 (+8.26%) Land $75,000 Building $250,000	$364,616 (+11.6%)
2025	$4,311.00 (-0.9%)	$300,200 (+3.45%) Land $68,200 Building $232,000	$326,705
2024	$4,350.00 (+2.11%)	$290,200 (+9.88%) Land $62,000 Building $228,200
2023	$4,260.00	$264,100 Land $61,100 Building $203,000

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

Flood

FEMA maps place 92 Oak St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 92 Oak 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.

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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