40 Cardinal Ln, Winchendon, MA 01475 Property Records

Worcester County and Winchendon Town property record for 40 Cardinal Ln, Winchendon, MA 01475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,802 sqft · built 1998
Lot Size	1 acres (43,821 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Jun 2013)
Tax Bill	$6,552 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2017 Mortgage
APN	`WINC M:8A2 B:0 L:17`

Property Details

APN / Parcel Number

Primary APN	`WINC M:8A2 B:0 L:17`
Alternative APN	`WCDN M:8A2 B:0 L:17`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,802 sqft Living Area
Gross Area	4,336 sqft
Basement Area	1,768 sqft
Finished Basement	884 sqft
Unfinished Basement	884 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,821 sqft (1 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	40 CARDINAL LN
City	WINCHENDON
State	MA
Zip	01475-1885
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	17
Jurisdiction	WINCHENDON MA
Township / Civil Division	WINCHENDON
Census Block Group	2
Census Block	2010
Census Tract	701101

Owner

40 Cardinal Ln is owned and occupied by an individual who bought it in June 2013.

Source: Worcester County and Winchendon Town records, as of August 5, 2026

Owner of Record	Individual Name on File
Mailing Address	40 CARDINAL LN, WINCHENDON, MA 01475-1885
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 29, 2017	Deed of Trust, Mortgage GFA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2013 · Amount on File
Deed Sale	Jun 7, 2013 · Amount on File
Prior Sale	Aug 14, 1998 · Amount on File
Deed Book / Page	51013 / 362
Transfer Doc	051013-362
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Recording Date	Jul 16, 2026
Property Address	40 CARDINAL LN, WINCHENDON, MA 01475-1885
Document Number	0000059868
Book / Page	73885 / 127
Instrument Date	Jul 2, 2026
Instrument	202659868
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 CARDINAL LN, WINCHENDON, MA 01475-1885

Mortgage

Document Number	0000059868,
Date	Jul 16, 2026
Book Page	73885/127
Instrument	202659868

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2036

Interest

Rate	6.48%
Max Rate	-1%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Property Address	40 CARDINAL LN, WINCHENDON, MA 01475-1885
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56907-62
Date	Mar 29, 2017
Book Page	56907/62
Instrument	31199

Lender

Name	GFA FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 40 Cardinal Ln was $6,552, down 0.6% from the year before.

Source: Worcester County and Winchendon Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Winchendon Town
Unified School District	Winchendon School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,552.00 (-0.59%)	$557,600 (+6.09%) Land $54,600 Building $503,000	$509,295 (+5.45%)
2024	$6,591.00 (+1%)	$525,600 (+17.53%) Land $54,600 Building $471,000	$482,980
2023	$5,992.00	$447,200 Land $52,400 Building $394,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA's flood maps do not cover 40 Cardinal Ln; 3 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

Wildfire risk around 40 Cardinal Ln 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	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	WINCHENDON WATER DEPARTMENT serves 5,706 people · EPA ID MA2343000
Water Source	Purchased surface water from ASH/WIN JOINT WATER AUTHORITY
Last State Inspection	Dec 2024
Lead	1 ppb (2024–2026) action level 15 ppb

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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