1 Gardner Rd, Cambridge, MA 02139 Property Records

Middlesex County and Cambridge City property record for 1 Gardner Rd, Cambridge, MA 02139

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,683 sqft · built 1800
Lot Size	0.043 acres (1,863 sqft)
Owner	2 Individual Names on File
Last Sale	$1,800,000 (Feb 2025)
Tax Bill	$8,468 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jan 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`87-129`

Property Details

APN / Parcel Number

Primary APN	`87-129`
Alternative APN	`CAMB M:00087 L:00129`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	1,683 sqft Living Area
Gross Area	2,669 sqft
1st Floor Area	723 sqft
Basement Area	604 sqft
Unfinished Basement	604 sqft

Exterior

Year Built	Built 1800
Effective Year Built	Effective 1800
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,863 sqft (0.043 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1 GARDNER RD
City	CAMBRIDGE
State	MA
Zip	02139-1210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-1
Legal Lot Number	129
Jurisdiction	CAMBRIDGE MA
Township / Civil Division	CAMBRIDGE
Census Block Group	1
Census Block	1001
Census Tract	352500

Owner

1 Gardner Rd is owned and occupied by two individuals who bought it in February 2025.

Source: Middlesex County and Cambridge City records, as of July 20, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	1 GARDNER RD, CAMBRIDGE, MA 02139-1210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Deed of Trust, Mortgage · Line of Credit MASS BAY CREDIT UNION
Jan 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAMBRIDGE SAVINGS BANK
Feb 28, 2025	Deed of Trust, Mortgage · Stand-Alone First Mortgage MASSACHUSETTS INSTITUTE OF TECHNOLOGY
Feb 28, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BERKSHIRE BANK
Jan 6, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2025 · Amount on File
Deed Sale	Feb 28, 2025 · Amount on File
Prior Sale	Aug 31, 2004 · Amount on File
Deed Book / Page	83813 / 131
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	1 GARDNER RD, CAMBRIDGE, MA 02139-1210
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081012-121
Date	Dec 1, 2022
Book Page	81012/121
Instrument	176008

Lender

Name	MASS BAY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	1 GARDNER RD, CAMBRIDGE, MA 02139-1210
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076631-201
Date	Jan 6, 2021
Book Page	76631/201
Instrument	3024

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIDGE MA
Property Address	1 GARDNER RD, CAMBRIDGE, MA 02139-1210
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083813-157
Date	Feb 28, 2025
Book Page	83813/157
Instrument	20802

Lender

Name	MASSACHUSETTS INSTITUTE OF TECHNOLOGY

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Feb 28, 2025
Property Address	1 GARDNER RD, CAMBRIDGE, MA 02139-1210
Document Number	083813-131
Book / Page	83813 / 131
Instrument Date	Feb 28, 2025
Instrument	20799
Transaction Type	Transfer
Record Updated	Mar 14, 2025

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	1 GARDNER RD, CAMBRIDGE, MA 02139-1210

Mortgage

Document Number	0000020800
Date	Feb 28, 2025
Instrument	20800

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	083813-150
Date	Feb 28, 2025
Book Page	83813/150
Instrument	20801

Lender

Name	MASSACHUSETTS INSTITUTE OF TECHNOLOGY

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAMBRIDGE MA
Recording Date	Jan 6, 2021
Property Address	1 GARDNER RD, CAMBRIDGE, MA 02139-1210
Document Number	076631-197
Book / Page	76631 / 197
Instrument Date	Nov 23, 2020
Instrument	3023
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	1 GARDNER RD, CAMBRIDGE, MA 02139-1210

Tax Assessment & Valuation

The 2025 property tax bill for 1 Gardner Rd was $8,468, up 11.1% from the year before.

Source: Middlesex County and Cambridge City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Cambridge City
Unified School District	Cambridge School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,468.00 (+11.06%)	$1,333,600 (+3.54%) Land $649,200 Building $684,400	$1,693,280 (+32.55%)
2024	$7,625.00 (+0.16%)	$1,288,000 (-0.86%) Land $704,200 Building $583,800	$1,277,465
2023	$7,613.00	$1,299,200 Land $716,000 Building $583,200

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

Flood

FEMA maps place 1 Gardner Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 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

The area around 1 Gardner Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	CAMBRIDGE WATER DEPARTMENT serves 118,214 people · EPA ID MA3049000
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	8 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1,159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
Netafy Fixed Wireless	641 / 143
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Starry.

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