Worcester County and Gardner City property record for 38 Brook Ln, Gardner, MA 01440 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,442 sqft · built 2004 |
| Lot Size | 0.947 acres (41,240 sqft) |
| Owner | Individual Name on File |
| Last Sale | $339,900 (Apr 2015) |
| Tax Bill | $80 (2025) |
| Deeds & Mortgages | Feb 2023 Refinance Oct 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:W27 B:24 L:7 |
| Primary APN | GARD M:W27 B:24 L:7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,442 sqft Living Area |
| Gross Area | 5,562 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 41,240 sqft (0.947 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 38 BROOK LN |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-4241 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | DEFINITIVE PLAN FOSTER BRK |
| Legal Block | 24 |
| Legal Lot Number | 7 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City records · APN GARD M:W27 B:24 L:7
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 38 BROOK LN, GARDNER, MA 01440-4241 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 13, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC |
| Oct 29, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) WORKERS CU |
| Aug 02, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) WORKERS CU |
| Feb 22, 2022 | Quit Claim Deed, Transfer · ARM BETTER MORTGAGE CORP |
| Feb 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 28, 2015 · Amount on Record |
| Deed Sale | Apr 28, 2015 · Amount on Record |
| Prior Sale | Mar 23, 2005 · Amount on Record |
| Deed Book / Page | 53646 / 114 |
| Last Transfer Date | Feb 15, 2022 |
| Transfer Doc | 067152-110 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 38 BROOK LN, GARDNER, MA 01440-4241 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 068821-381 |
|---|---|
| Date | Feb 13, 2023 |
| Book Page | 68821/381 |
| Instrument | 12624 |
| Name | FIGURE LENDING LCC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Mar 01, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 38 BROOK LN, GARDNER, MA 01440-4241 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0071218-69 |
|---|---|
| Date | Oct 29, 2024 |
| Book Page | 71218/69 |
| Instrument | 89160 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 01, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 38 BROOK LN, GARDNER, MA 01440-4241 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 070842-300 |
|---|---|
| Date | Aug 02, 2024 |
| Book Page | 70842/300 |
| Instrument | 61195 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Sep 01, 2034 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Feb 22, 2022 |
| Property Address | 38 BROOK LN, GARDNER, MA 01440-4241 |
| Document Number | 067152-110 |
| Book / Page | 67152 / 110 |
| Instrument Date | Feb 15, 2022 |
| Instrument | 20547 |
| Transaction Type | Transfer |
| Record Updated | Nov 05, 2024 |
| Title Company | VANTAGE POINT TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 38 BROOK LN, GARDNER, MA 01440-4241 |
| Document Number | 0000020548 |
|---|---|
| Date | Feb 22, 2022 |
| Instrument | 20548 |
| Name | BETTER MORTGAGE CORP |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.88% |
| Type Change Date | Mar 01, 2032 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 38 BROOK LN, GARDNER, MA 01440-4241 |
| Document Number | 60126-289 |
| Instrument Date | Feb 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 38 BROOK LN GARDNER MA 014404241, GARDNER, MA 01440-4241 |
| Document Number | 60126-289 |
|---|---|
| Date | Mar 08, 2019 |
| Book Page | 060126/000289 |
| Instrument | 20538 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 07, 2039 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $80.00 (-99.03%) | $558,900 (+1.45%) Land $96,300 Building $462,600 | $673,645 |
| 2024 | $8,258.00 | $550,900 Land $87,700 Building $463,200 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 41 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.
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