48 Charles St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 48 Charles St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,170 sqft · built 1953
Lot Size	0.302 acres (13,170 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,900 (Jun 2026)
Tax Bill	$5,267 (2026)
Deeds & Mortgages	Jun 2026 Sale May 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:9 L:21`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:9 L:21`
Alternative APN	`M:S-13 B:0003 L:0021`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
Gross Area	2,502 sqft
Basement Area	1,170 sqft
Unfinished Basement	1,170 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,170 sqft (0.302 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	48 CHARLES ST
City	GARDNER
State	MA
Zip	01440-3510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	9
Legal Lot Number	21
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1039
Census Tract	707100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	110 COLONY RD, PHILLIPSTON, MA 01331-9455
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Quit Claim Deed, Transfer
May 31, 2022	Deed, Transfer · Stand-Alone First Mortgage MIDDLESEX SAVINGS BANK
Jan 26, 2022	Deed, Transfer
Jul 26, 2018	Quit Claim Deed, Transfer Quitclaim
May 4, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2026 · Amount on Record
Deed Sale	Jun 18, 2026 · Amount on Record
Prior Sale	May 31, 2022 · Amount on Record
Deed Document Number	202650018
Deed Book / Page	73743 / 200
Transfer Doc	59154-266
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 18, 2026
Property Address	48 CHARLES ST, GARDNER, MA 01440-3510
Document Number	0000050018
Book / Page	73743 / 200
Instrument Date	Jun 9, 2026
Instrument	202650018
Transaction Type	Transfer
Record Updated	Aug 30, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 COLONY RD, PHILLIPSTON, MA 01331-9455

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARDNER MA
Recording Date	May 31, 2022
Property Address	48 CHARLES ST, GARDNER, MA 01440-3510
Document Number	067672-225
Book / Page	67672 / 225
Instrument Date	May 31, 2022
Instrument	58936
Transaction Type	Transfer
Record Updated	Jun 17, 2022

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	Tenants by the Entirety
Address	48 CHARLES ST, GARDNER, MA 01440-3510

Mortgage

Document Number	0000058937
Date	May 31, 2022
Instrument	58937

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 26, 2022
Property Address	48 CHARLES ST, GARDNER, MA 01440-3510
Document Number	067011-162
Book / Page	67011 / 162
Instrument Date	Jan 24, 2022
Instrument	10155
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Amount	Amount Recorded
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	25 OVERLOOK RD, WESTMINSTER, MA 01473-1017

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 26, 2018
Property Address	48 CHARLES ST, GARDNER, MA 01440-3510
Document Number	59154-266
Book / Page	059154 / 000266
Instrument Date	Jul 24, 2018
Instrument	76357
Transaction Type	Transfer
Record Updated	Aug 14, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 CHARLES ST GARDNER MA 014403510, GARDNER, MA 01440-3510

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 4, 2017
Property Address	48 CHARLES ST, GARDNER, MA 01440-3510
Document Number	57071-195
Book / Page	057071 / 000195
Instrument Date	May 2, 2017
Instrument	45207
Transaction Type	Transfer
Record Updated	May 23, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 CHARLES ST GARDNER MA 014403510, GARDNER, MA 01440-3510

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	$5,267.00 (+9,837.74%)	$382,500 (+2.08%) Land $85,300 Building $297,200	$377,169 (-9.48%)
2025	$53.00 (-99.03%)	$374,700 (+3%) Land $77,500 Building $297,200	$416,670
2024	$5,453.00 (+38.33%)	$363,800 (+48.85%) Land $70,500 Building $293,300
2023	$3,942.00	$244,400 Land $69,500 Building $174,900

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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