20 Cardinal Ln, Winchendon, MA 01475 Property Records

Worcester County and Winchendon Town property record for 20 Cardinal Ln, Winchendon, MA 01475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,848 sqft · built 1997
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Sep 2021)
Tax Bill	$5,432 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage May 2019 Refinance + 2 more
APN	`WINC M:8A2 B:0 L:15`

Property Details

APN / Parcel Number

Primary APN	`WINC M:8A2 B:0 L:15`
Alternative APN	`WCDN M:8A2 B:0 L:15`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,848 sqft Living Area
Gross Area	3,774 sqft
Basement Area	918 sqft
Unfinished Basement	918 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 CARDINAL LN
City	WINCHENDON
State	MA
Zip	01475-1885
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	15
Jurisdiction	WINCHENDON MA
Township / Civil Division	WINCHENDON
Census Block Group	2
Census Block	2010
Census Tract	701101

Owner

20 Cardinal Ln is owned and occupied by two individuals who bought it in September 2021.

Source: Worcester County and Winchendon Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 CARDINAL LN, WINCHENDON, MA 01475-1885
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
Sep 8, 2021	Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
May 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION
Jan 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF ENGLAND
Mar 27, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2021 · Amount on File
Deed Sale	Sep 8, 2021 · Amount on File
Prior Sale	Mar 27, 2020 · Amount on File
Deed Document Number	2021125839
Deed Book / Page	66010 / 355
Record Updated	Oct 29, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WINCHENDON MA
Recording Date	Sep 8, 2021
Property Address	20 CARDINAL LN, WINCHENDON, MA 01475-1885
Document Number	66010-355
Book / Page	66010 / 355
Instrument Date	Sep 8, 2021
Instrument	125839
Transaction Type	Transfer
Record Updated	Sep 24, 2021

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	20 CARDINAL LN, WINCHENDON, MA 01475-1885
Investor	Possibly a Property Investor

Mortgage

Document Number	125840
Date	Sep 8, 2021
Instrument	125840

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Property Address	20 CARDINAL LN, WINCHENDON, MA 01475-1885
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60442-244
Date	May 22, 2019
Book Page	60442/244
Instrument	46357

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2029

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Property Address	20 CARDINAL LN, WINCHENDON, MA 01475-1885
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64273-165
Date	Jan 20, 2021
Book Page	64273/165
Instrument	8925

Lender

Name	BANK OF ENGLAND

Agreement

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

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHENDON MA
Recording Date	Mar 27, 2020
Property Address	20 CARDINAL LN, WINCHENDON, MA 01475-1885
Document Number	62116-291
Book / Page	62116 / 291
Instrument Date	Mar 25, 2020
Instrument	31881
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	20 CARDINAL LN, WINCHENDON, MA 01475-1885

Mortgage

Document Number	31882
Date	Mar 27, 2020
Instrument	31882

Lender

Name	BANK OF ENGLAND

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 20 Cardinal Ln was $5,432, down 0.7% from the year before.

Source: Worcester County and Winchendon Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Winchendon Town
Unified School District	Winchendon School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,432.00 (-0.68%)	$462,300 (+6.01%) Land $54,500 Building $407,800	$494,855 (+4.72%)
2024	$5,469.00 (+9.89%)	$436,100 (+17.42%) Land $54,500 Building $381,600	$472,530
2023	$4,977.00	$371,400 Land $52,300 Building $319,100

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

Flood

FEMA's flood maps do not cover 20 Cardinal Ln; 3 flood insurance policies are in force nearby.

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

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 20 Cardinal Ln 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	WINCHENDON WATER DEPARTMENT serves 5,706 people · EPA ID MA2343000
Water Source	Purchased surface water from ASH/WIN JOINT WATER AUTHORITY
Last State Inspection	Dec 2024
Lead	1 ppb (2024–2026) 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. 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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