138 Fernwood Dr, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 138 Fernwood Dr, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,950 sqft · built 1989
Lot Size	0.287 acres (12,500 sqft)
Owner	2 Company Names on Record
Last Sale	$437,000 (Jan 2024)
Tax Bill	$6,161 (2026)
Deeds & Mortgages	Jul 2026 Transfer Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:J-38 B:0014 L:0013`

Property Details

APN / Parcel Number

Primary APN	`M:J-38 B:0014 L:0013`
Alternative APN	`GARD M:H37 B:15 L:13`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,950 sqft Living Area
Gross Area	3,528 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	12,500 sqft (0.287 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	138 FERNWOOD DR
City	GARDNER
State	MA
Zip	01440-1259
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	15
Legal Lot Number	13
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1014
Census Tract	707400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	138 FERNWOOD DR, GARDNER, MA 01440-1259
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Quit Claim Deed, Transfer Quitclaim
Jan 9, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2024 · Amount on Record
Deed Sale	Jan 9, 2024 · Amount on Record
Deed Document Number	20241981
Deed Book / Page	70079 / 206
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 21, 2026
Property Address	138 FERNWOOD DR, GARDNER, MA 01440-1259
Document Number	0000061401
Book / Page	73906 / 147
Instrument Date	Jul 16, 2026
Instrument	202661401
Transaction Type	Transfer
Record Updated	Aug 31, 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
Address	138 FERNWOOD DR, GARDNER, MA 01440-1259

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 9, 2024
Property Address	138 FERNWOOD DR, GARDNER, MA 01440-1259
Document Number	070079-206
Book / Page	70079 / 206
Instrument Date	Jan 9, 2024
Instrument	1981
Transaction Type	Transfer
Record Updated	Jan 26, 2024

Transaction

Amount	Amount Recorded
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	138 FERNWOOD DR, GARDNER, MA 01440-1259

Mortgage

Document Number	0000001982
Date	Jan 9, 2024
Instrument	1982

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	Assessed Market Value
2026	$6,161.00 (+10,708.77%)	$447,400 (+12.44%) Land $84,800 Building $362,600	$453,918 (+11.33%)
2025	$57.00 (-99.04%)	$397,900 (+0.89%) Land $77,000 Building $320,900	$407,740
2024	$5,912.00 (+6.85%)	$394,400 (+14.99%) Land $70,100 Building $324,300
2023	$5,533.00	$343,000 Land $69,100 Building $273,900

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

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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