99 Cross St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 99 Cross St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,946 sqft · built 1900
Lot Size	0.264 acres (11,488 sqft)
Owner	Company Name on Record
Last Sale	$35,000 (Apr 1984)
Tax Bill	$57 (2025)
Deeds & Mortgages	Apr 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:3 L:21`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:3 L:21`
Alternative APN	`M:R-24 B:0022 L:0021`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,946 sqft Living Area
Gross Area	6,406 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	11,488 sqft (0.264 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	99 CROSS ST
City	GARDNER
State	MA
Zip	01440-2214
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	3
Legal Lot Number	21
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3011
Census Tract	707500

Owner

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	Company Name on Record
Mailing Address	99 CROSS ST, GARDNER, MA 01440-2214
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 1984 · Amount on Record
Deed Sale	Apr 6, 1984 · Amount on Record
Deed Book / Page	8142 / 297
Record Updated	Jun 8, 2026

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 24, 2017
Property Address	99 CROSS ST, GARDNER, MA 01440-2214
Document Number	57014-369
Book / Page	057014 / 000369
Instrument Date	Apr 17, 2017
Instrument	40589
Transaction Type	Transfer
Record Updated	May 16, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	99 CROSS ST GARDNER MA 014402214, GARDNER, MA 01440-2214

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
2025	$57.00 (-98.92%)	$402,400 (+13.83%) Land $69,400 Building $333,000
2024	$5,299.00 (-1.32%)	$353,500 (+6.19%) Land $63,100 Building $290,400
2023	$5,370.00	$332,900 Land $62,200 Building $270,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

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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