39 Carlson Ln, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 39 Carlson Ln, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,536 sqft · built 1996
Lot Size	0.365 acres (15,900 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Nov 2020)
Tax Bill	$6,685 (2026)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:X22 B:22 L:1`

Property Details

APN / Parcel Number

Primary APN	`GARD M:X22 B:22 L:1`
Alternative APN	`M:ZA-20 B:0004 L:0001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,536 sqft Living Area
Gross Area	2,828 sqft
Basement Area	240 sqft
Unfinished Basement	240 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,900 sqft (0.365 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	39 CARLSON LN
City	GARDNER
State	MA
Zip	01440-2418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	CARLSON ESTATES
Legal Block	22
Legal Lot Number	1
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2021
Census Tract	707500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	39 CARLSON LN, GARDNER, MA 01440-2418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2020 · Amount on Record
Deed Sale	Nov 4, 2020 · Amount on Record
Prior Sale	Jul 31, 2007 · Amount on Record
Deed Document Number	2020133779
Deed Book / Page	63672 / 383
Prior Transfer Date	Oct 19, 2020
Prior Transfer Doc	63672-383
Record Updated	Oct 29, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 4, 2020
Property Address	39 CARLSON LN, GARDNER, MA 01440-2418
Document Number	63672-383
Book / Page	63672 / 383
Instrument Date	Oct 19, 2020
Instrument	133779
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	39 CARLSON LN, GARDNER, MA 01440-2418

Mortgage

Document Number	133780
Date	Nov 4, 2020
Instrument	133780

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

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	$6,685.00 (+10,859.02%)	$485,500 (+13.94%) Land $87,300 Building $398,200	$488,437 (+13.1%)
2025	$61.00 (-99.01%)	$426,100 (+3.57%) Land $79,300 Building $346,800	$431,870
2024	$6,167.00 (+6.25%)	$411,400 (+14.34%) Land $72,100 Building $339,300
2023	$5,804.00	$359,800 Land $71,100 Building $288,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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	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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20