Worcester County and Gardner City property record for 39 Coleman St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,918 sqft · built 1920 |
| Lot Size | 0.374 acres (16,282 sqft) |
| Owner | Individual Name on File |
| Last Sale | $227,400 (Aug 2007) |
| Tax Bill | $4,999 (2026) |
| Deeds & Mortgages | Sep 2023 Mortgage Mar 2022 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:L-25 B:0039 L:0038 |
| Primary APN | M:L-25 B:0039 L:0038 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,918 sqft Living Area |
| Gross Area | 4,142 sqft |
| Basement Area | 1,355 sqft |
| Unfinished Basement | 1,355 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,282 sqft (0.374 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 39 COLEMAN ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3711 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 22 |
| Legal Lot Number | 38 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 707400 |
39 Coleman St is owned and occupied by an individual who bought it in August 2007.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 39 COLEMAN ST, GARDNER, MA 01440-3711 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 7, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK |
| Mar 14, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION |
| Sep 6, 2018 | Deed of Trust, Mortgage · ARM GFA FEDERAL CREDIT UNION |
| Oct 30, 2018 | Deed of Trust, Mortgage GFA FEDERAL CREDIT UNION |
| Jun 2, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 30, 2007 · Amount on File |
| Deed Sale | Aug 30, 2007 · Amount on File |
| Deed Document Number | 2007115883 |
| Deed Book / Page | 41734 / 391 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 39 COLEMAN ST, GARDNER, MA 01440-3711 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 069612-195 |
|---|---|
| Date | Sep 7, 2023 |
| Book Page | 69612/195 |
| Instrument | 74205 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 39 COLEMAN ST, GARDNER, MA 01440-3711 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0067258-69 |
|---|---|
| Date | Mar 14, 2022 |
| Book Page | 67258/69 |
| Instrument | 28320 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 39 COLEMAN ST, GARDNER, MA 01440-3711 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59364-94 |
|---|---|
| Date | Sep 6, 2018 |
| Book Page | 59364/94 |
| Instrument | 93974 |
| Name | GFA FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.88% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 39 COLEMAN ST, GARDNER, MA 01440-3711 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59619-165 |
|---|---|
| Date | Oct 30, 2018 |
| Book Page | 59619/165 |
| Instrument | 115311 |
| Name | GFA FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Oct 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 39 COLEMAN ST, GARDNER, MA 01440-3711 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62513-155 |
|---|---|
| Date | Jun 2, 2020 |
| Book Page | 62513/155 |
| Instrument | 56859 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
The 2026 property tax bill for 39 Coleman St was $4,999, up 9,702% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,999.00 (+9,701.96%) | $363,000 (+2.05%) Land $79,600 Building $283,400 | $356,250 (+2.97%) |
| 2025 | $51.00 (-99.03%) | $355,700 (+1.11%) Land $72,300 Building $283,400 | $345,990 |
| 2024 | $5,273.00 (+7.85%) | $351,800 (+16.07%) Land $65,800 Building $286,000 | |
| 2023 | $4,889.00 | $303,100 Land $64,900 Building $238,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 39 Coleman St in Zone X, an area of minimal flood risk.
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 risk around 39 Coleman St is low, with a 0.01% annual chance of 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 380 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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