93 Cross St, Gardner, MA 01440 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,487 sqft · built 1870
Lot Size	0.131 acres (5,700 sqft)
Owner	2 Individual Names on File
Last Sale	$347,000 (Dec 2025)
Tax Bill	$44 (2025)
Deeds & Mortgages	Oct 2021 Refinance Dec 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:3 L:22`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:3 L:22`
Alternative APN	`M:R-24 B:0023 L:0022`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,487 sqft Living Area
Gross Area	2,609 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	5,700 sqft (0.131 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	93 CROSS ST
City	GARDNER
State	MA
Zip	01440-2214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WAINO A NIEMELA ET UX
Legal Block	3
Legal Lot Number	22
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3011
Census Tract	707500

Owner

93 Cross St is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	93 CROSS ST, GARDNER, MA 01440-2214
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
Oct 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU
Dec 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage EASTERN BANK
Dec 30, 2025	Quit Claim Deed, Transfer · Conventional Mortgage EASTERN BANK
Mar 23, 2022	Warranty Deed, Transfer
Nov 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2025 · Amount on File
Deed Sale	Dec 30, 2025 · Amount on File
Prior Sale	Sep 16, 2011 · Amount on File
Deed Book / Page	73029 / 27
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	93 CROSS ST, GARDNER, MA 01440-2214
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066270-49
Date	Oct 12, 2021
Book Page	66270/49
Instrument	142849

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	93 CROSS ST, GARDNER, MA 01440-2214
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073029-54
Date	Dec 30, 2025
Book Page	73029/54
Instrument	113663

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	169 Months
Due	Jan 1, 2040

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 30, 2025
Property Address	93 CROSS ST, GARDNER, MA 01440-2214
Document Number	0073029-27
Book / Page	73029 / 27
Instrument Date	Dec 30, 2025
Instrument	113661
Transaction Type	Transfer
Record Updated	Apr 14, 2026

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	93 CROSS ST, GARDNER, MA 01440-2214

Mortgage

Document Number	0000113662
Date	Dec 30, 2025
Instrument	113662

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	289 Months
Due	Jan 1, 2050

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 23, 2022
Property Address	93 CROSS ST, GARDNER, MA 01440-2214
Document Number	0067311-20
Book / Page	67311 / 20
Instrument Date	Mar 22, 2022
Instrument	32132
Transaction Type	Transfer
Record Updated	Apr 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	93 CROSS ST, GARDNER, MA 01440-2214

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	93 CROSS ST, GARDNER, MA 01440-2214
Document Number	59775-40
Instrument Date	Nov 16, 2018
Transaction Type	Mortgage
Record Updated	Dec 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	93 CROSS ST GARDNER MA 014402214, GARDNER, MA 01440-2214

Mortgage

Document Number	59775-40
Date	Dec 4, 2018
Book Page	059775/000040
Instrument	128469

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 3, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 93 Cross St was $44, down 99% 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
2025	$44.00 (-99.01%)	$313,300 (+5.63%) Land $66,000 Building $247,300	$268,375
2024	$4,446.00 (+2.89%)	$296,600 (+10.71%) Land $60,000 Building $236,600
2023	$4,321.00	$267,900 Land $59,100 Building $208,800

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

Flood

FEMA maps place 93 Cross St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 93 Cross 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 388 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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