93 Ash St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 93 Ash St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,728 sqft · built 1900
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Tax Bill	$4,255 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2025 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M27 B:18 L:7`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M27 B:18 L:7`
Alternative APN	`M:M-26 B:0046 L:0007`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,728 sqft Living Area
Gross Area	3,252 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	93 ASH ST
City	GARDNER
State	MA
Zip	01440-2109
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	18
Legal Lot Number	7
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2001
Census Tract	707400

Owner

93 Ash St, a duplex, is owned and occupied by an individual who acquired it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	93 ASH ST, GARDNER, MA 01440-2109
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Apr 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Sep 13, 2022	Quit Claim Deed, Transfer Quitclaim
Nov 2, 2020	Deed of Trust, Mortgage · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Apr 19, 2022	Quit Claim Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Sep 30, 2019	Quit Claim Deed, Transfer · FHA Mortgage NORWICH COM'L
Aug 8, 2018	Quit Claim Deed, Transfer · Conventional with PMI RICHARD SAINAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2022
Deed Sale	Apr 19, 2022
Prior Sale	Sep 30, 2019 · Amount on File
Deed Book / Page	67454 / 143
Last Transfer Date	Sep 13, 2022
Transfer Doc	068202-389
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	93 ASH ST, GARDNER, MA 01440-2109
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073205-244
Date	Feb 17, 2026
Book Page	73205/244
Instrument	12220

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	93 ASH ST, GARDNER, MA 01440-2109
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071905-58
Date	Apr 28, 2025
Book Page	71905/58
Instrument	32308

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 13, 2022
Property Address	93 ASH ST, GARDNER, MA 01440-2109
Document Number	068202-389
Book / Page	68202 / 389
Instrument Date	Sep 13, 2022
Instrument	100289
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	93 ASH ST, GARDNER, MA 01440-2109

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	93 ASH ST, GARDNER, MA 01440-2109
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	063645-168
Date	Nov 2, 2020
Book Page	63645/168
Instrument	132074

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 19, 2022
Property Address	93 ASH ST, GARDNER, MA 01440-2109
Document Number	067454-143
Book / Page	67454 / 143
Instrument Date	Apr 14, 2022
Instrument	42610
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	93 ASH ST, GARDNER, MA 01440-2109

Mortgage

Document Number	0000042611
Date	Apr 19, 2022
Instrument	42611

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 30, 2019
Property Address	93 ASH ST, GARDNER, MA 01440-2109
Document Number	61148-97
Book / Page	061148 / 000097
Instrument Date	Sep 6, 2019
Instrument	102005
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.28
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	93 ASH ST GARDNER MA 014402109, GARDNER, MA 01440-2109

Mortgage

Document Number	61148-101
Date	Sep 30, 2019
Book Page	061148/000101
Instrument	102006

Lender

Name	NORWICH COM'L

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 8, 2018
Property Address	93 ASH ST, GARDNER, MA 01440-2109
Document Number	59230-46
Book / Page	059230 / 000046
Instrument Date	Aug 8, 2018
Instrument	82581
Transaction Type	Transfer
Record Updated	Aug 28, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$387.60
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	93 ASH ST GARDNER MA 014402109, GARDNER, MA 01440-2109

Mortgage

Document Number	59230-49
Date	Aug 8, 2018
Book Page	059230/000049
Instrument	82582

Lender

Name	RICHARD SAINAN
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 93 Ash St was $4,255, up 14.8% 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	$4,255.00 (+14.81%)	$309,000 (+19.72%) Land $76,000 Building $233,000	$365,701
2025	$3,706.00 (+0.3%)	$258,100 (+4.71%) Land $69,000 Building $189,100
2024	$3,695.00 (+3.7%)	$246,500 (+11.59%) Land $62,800 Building $183,700
2023	$3,563.00	$220,900 Land $61,900 Building $159,000

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

Flood

FEMA maps place 93 Ash 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 93 Ash 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	Direct burnable vegetation

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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ash St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures