28 Gardner St, Arlington, MA 02474 Property Records

Middlesex County and Arlington Town property record for 28 Gardner St, Arlington, MA 02474

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,643 sqft · built 1890
Lot Size	0.138 acres (6,020 sqft)
Owner	Individual Name on Record
Last Sale	$950,000 (Aug 2025)
Tax Bill	$9,495 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Dec 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24235`

Property Details

APN / Parcel Number

Primary APN	`24235`
Alternative APN	`ARLI M:035.0 B:0002 L:0024.B`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,643 sqft Living Area
Gross Area	3,050 sqft
Basement Area	662 sqft
Unfinished Basement	662 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1955
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,020 sqft (0.138 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	24235
Street Address	28 GARDNER ST
City	ARLINGTON
State	MA
Zip	02474-3830
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	2
Legal Lot Number	24.B
Jurisdiction	ARLINGTON MA
Township / Civil Division	ARLINGTON
Census Block Group	2
Census Block	2011
Census Tract	356300

Owner

Source: Middlesex County and Arlington Town 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	Individual Name on Record
Mailing Address	28 GARDNER ST, ARLINGTON, MA 02474-3830
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2025	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Dec 26, 2023	Quit Claim Deed, Transfer Quitclaim
Mar 2, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance LEADER BANK NA
Jun 26, 2017	Deed of Trust, Mortgage · Line of Credit EASTERN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2025 · Amount on Record
Deed Sale	Aug 4, 2025 · Amount on Record
Prior Sale	May 17, 2012 · Amount on Record
Deed Book / Page	84449 / 158
Prior Transfer Date	Dec 19, 2023
Prior Transfer Doc	082344-575
Record Updated	Sep 20, 2026

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ARLINGTON MA
Recording Date	Aug 4, 2025
Property Address	28 GARDNER ST, ARLINGTON, MA 02474-3830
Document Number	084449-158
Book / Page	84449 / 158
Instrument Date	Aug 4, 2025
Instrument	92184
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	28 GARDNER ST, ARLINGTON, MA 02474-3830

Mortgage

Document Number	0000092185
Date	Aug 4, 2025
Instrument	92185

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ARLINGTON MA
Recording Date	Dec 26, 2023
Property Address	28 GARDNER ST, ARLINGTON, MA 02474-3830
Document Number	082344-575
Book / Page	82344 / 575
Instrument Date	Dec 19, 2023
Instrument	146963
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	6 WHIPPOORWILL LN, WALPOLE, MA 02081-2726

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ARLINGTON MA
Recording Date	Mar 2, 2021
Property Address	28 GARDNER ST, ARLINGTON, MA 02474-3830
Document Number	077109-119
Book / Page	77109 / 119
Instrument Date	Mar 1, 2021
Instrument	46385
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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
Relationship	Tenants by the Entirety
Address	6 WHIPPOORWILL LN, WALPOLE, MA 02081-2726

Mortgage

Document Number	077109-122
Date	Mar 2, 2021
Book Page	77109/122
Instrument	46386

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARLINGTON MA
Property Address	28 GARDNER ST, ARLINGTON, MA 02474-3830
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69498-287
Date	Jun 26, 2017
Book Page	69498/287
Instrument	97457

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Arlington Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Arlington Town
Unified School District	Arlington School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$9,495.00 (+7.98%)	$881,600 (+6.18%) Land $480,500 Building $401,100
2024	$8,793.00 (-1.24%)	$830,300 (+4.55%) Land $456,400 Building $373,900
2023	$8,903.00	$794,200 Land $408,400 Building $385,800

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

Flood

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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	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	ARLINGTON WATER DEPT. (MWRA) serves 46,308 people · EPA ID MA3010000
Water Source	Purchased surface water from MWRA
Last State Inspection	Aug 2023
Lead	3 ppb (2025) 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 670 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Netafy, Starry.

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