3 Carl Gardner Rd, Buzzards Bay, MA 02532 Property Records

Barnstable County and Bourne Town property record for 3 Carl Gardner Rd, Buzzards Bay, MA 02532

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,812 sqft · built 1973
Lot Size	0.388 acres (16,901 sqft)
Owner	2 Individual Names on Record
Last Sale	$565,000 (May 2024)
Tax Bill	$3,786 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Oct 2022 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`BOUR M:30.4 P:84 E:1`

Property Details

APN / Parcel Number

Primary APN	`BOUR M:30.4 P:84 E:1`
Alternative APNs	`M:030.4 P:084.01 D:01` `6407`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,812 sqft Living Area
Gross Area	3,122 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2000
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,901 sqft (0.388 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	6407
Street Address	3 CARL GARDNER RD
City	BUZZARDS BAY
State	MA
Zip	02532-3574
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Jurisdiction	BOURNE MA
Township / Civil Division	BOURNE
Census Block Group	3
Census Block	3035
Census Tract	13900

Owner

Source: Barnstable County and Bourne Town records, as of July 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3 CARL GARDNER RD, BUZZARDS BAY, MA 02532-3574
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE COD FIVE CENTS SAVINGS BANK
Oct 28, 2022	Deed of Trust, Mortgage · Line of Credit STIFEL BANK & TRUST
Sep 30, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2024 · Amount on Record
Deed Sale	May 30, 2024 · Amount on Record
Prior Sale	Dec 20, 2022 · Amount on Record
Record Updated	Oct 29, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BOURNE MA
Recording Date	Dec 20, 2022
Property Address	3 CARL GARDNER RD, BOURNE, MA 02532
Document Number	035551-335
Book / Page	35551 / 335
Instrument Date	Dec 20, 2022
Instrument	62319
Transaction Type	Transfer
Record Updated	Jan 6, 2023

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
Relationship	Joint Tenants with Right of Survivorship
Address	3 CARL GARDNER RD, BOURNE, MA 02532

Mortgage

Document Number	0000062320
Date	Dec 20, 2022
Instrument	62320

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jan 1, 2033
Max Rate At Change	2.75%
Index	Other

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOURNE MA
Property Address	3 CARL GARDNER RD, BOURNE, MA 02532
Transaction Type	Mortgage
Record Updated	Nov 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00035450-1
Date	Oct 28, 2022
Book Page	35450/1
Instrument	53220

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	13 Months
Due	Nov 1, 2023

Interest

Rate Type	Adjustable Rate

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BOURNE MA
Recording Date	Sep 30, 2020
Property Address	3 CARL GARDNER RD, BOURNE, MA 02532
Document Number	33313-318
Book / Page	033313 / 000318
Instrument Date	Sep 27, 2020
Instrument	52457
Transaction Type	Transfer
Record Updated	Oct 20, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3 CARL GARDNER RD BOURNE MA 02532, BOURNE, MA 02532

Tax Assessment & Valuation

Source: Barnstable County and Bourne Town assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Bourne Town
Unified School District	Bourne School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,786.00 (+2.24%)	$484,800 (+5%) Land $198,700 Building $286,100	$525,635
2024	$3,703.00 (+4.43%)	$461,700 (+14.71%) Land $189,200 Building $272,500
2023	$3,546.00	$402,500 Land $167,400 Building $235,100

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 October 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	4 (1987–2010)
Most Recent Claim	Apr 2010 · rainfall accumulation
Claims by Event	Hurricane Bob, Aug 1991 · 2 claims

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	BOURNE WATER DISTRICT serves 22,500 people · EPA ID MA4036000
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	4 ppb (2025) action level 15 ppb
Copper	1.51 mg/L (2017) action level 1.3 mg/L

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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