39 Charles St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 39 Charles St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,971 sqft · built 1950
Lot Size	0.405 acres (17,658 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Nov 2023)
Tax Bill	$55 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jun 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:9 L:17`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:9 L:17`
Alternative APN	`M:S-13 B:0011 L:0017`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,971 sqft Living Area
Gross Area	4,467 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,658 sqft (0.405 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	39 CHARLES ST
City	GARDNER
State	MA
Zip	01440-3509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	9
Legal Lot Number	17
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1033
Census Tract	707100

Owner

Source: Worcester County and Gardner City 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	39 CHARLES ST, GARDNER, MA 01440-3509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2023	Quit Claim Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Jun 10, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Nov 18, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 30, 2019	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2023 · Amount on Record
Deed Sale	Nov 17, 2023 · Amount on Record
Prior Sale	Apr 30, 2019 · Amount on Record
Deed Document Number	202396629
Deed Book / Page	69895 / 343
Transfer Doc	52866-71
Record Updated	Jun 8, 2026

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 17, 2023
Property Address	39 CHARLES ST, GARDNER, MA 01440-3509
Document Number	069895-343
Book / Page	69895 / 343
Instrument Date	Nov 17, 2023
Instrument	96629
Transaction Type	Transfer
Record Updated	Dec 8, 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	39 CHARLES ST, GARDNER, MA 01440-3509

Mortgage

Document Number	0000096630
Date	Nov 17, 2023
Instrument	96630

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	39 CHARLES ST, GARDNER, MA 01440-3509
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	067727-344
Date	Jun 10, 2022
Book Page	67727/344
Instrument	63254

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	39 CHARLES ST, GARDNER, MA 01440-3509
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63775-271
Date	Nov 18, 2020
Book Page	63775/271
Instrument	141047

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Dec 1, 2049

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 30, 2019
Property Address	39 CHARLES ST, GARDNER, MA 01440-3509
Document Number	60335-263
Book / Page	60335 / 263
Instrument Date	Apr 30, 2019
Instrument	37852
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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 OAKMONT AVE, WESTMINSTER, MA 01473-1021

Mortgage

Document Number	37853
Date	Apr 30, 2019
Instrument	37853

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA 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
2025	$55.00 (-98.91%)	$383,500 (+14.1%) Land $80,500 Building $303,000	$346,655
2024	$5,038.00 (+7.44%)	$336,100 (+15.62%) Land $73,200 Building $262,900
2023	$4,689.00	$290,700 Land $72,100 Building $218,600

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 · 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	2 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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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