49 Brook Ln, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 49 Brook Ln, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,272 sqft · built 2004
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Feb 2024)
Tax Bill	$9,311 (2026)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W27 B:24 L:6`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W27 B:24 L:6`
Alternative APN	`M:X-25 B:0006 L:0006`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,272 sqft Living Area
Gross Area	5,264 sqft
Basement Area	1,304 sqft
Unfinished Basement	1,304 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	52,272 sqft (1.2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	49 BROOK LN
City	GARDNER
State	MA
Zip	01440-4241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	24
Legal Lot Number	6
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2009
Census Tract	707500

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	49 BROOK LN, GARDNER, MA 01440-4241
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE
Dec 7, 2018	Quit Claim Deed, Transfer · Stand-Alone First Mortgage 1ST NATIONAL BANK
Oct 20, 2017	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2024 · Amount on Record
Deed Sale	Feb 28, 2024 · Amount on Record
Prior Sale	Dec 7, 2018 · Amount on Record
Deed Document Number	202414316
Deed Book / Page	70233 / 232
Prior Transfer Date	Feb 27, 2024
Prior Transfer Doc	070233-232
Record Updated	Oct 29, 2026

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 28, 2024
Property Address	49 BROOK LN, GARDNER, MA 01440-4241
Document Number	070233-232
Book / Page	70233 / 232
Instrument Date	Feb 27, 2024
Instrument	14316
Transaction Type	Transfer
Record Updated	Mar 15, 2024

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	49 BROOK LN, GARDNER, MA 01440-4241

Mortgage

Document Number	0000014317
Date	Feb 28, 2024
Instrument	14317

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 7, 2018
Property Address	49 BROOK LN, GARDNER, MA 01440-4241
Document Number	59790-71
Book / Page	59790 / 71
Instrument Date	Dec 6, 2018
Instrument	129741
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

Mortgage

Document Number	129742
Date	Dec 7, 2018
Instrument	129742

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Oct 20, 2017
Property Address	49 BROOK LN, GARDNER, MA 01440-4241
Document Number	57910-114
Book / Page	057910 / 000114
Instrument Date	Oct 2, 2017
Instrument	116439
Transaction Type	Foreclosure
Record Updated	Nov 7, 2017

Transaction

Amount	Amount Recorded
Tax	$1,335.00
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	620 MARKET ST KNOXVILLE TN 379022231, KNOXVILLE, TN 37902-2231

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	$9,311.00 (+10,984.52%)	$676,200 (+14.94%) Land $112,900 Building $563,300	$623,573 (-10.49%)
2025	$84.00 (-98.95%)	$588,300 (+9.8%) Land $97,400 Building $490,900	$696,635
2024	$8,032.00	$535,800 Land $88,800 Building $447,000

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Brook Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures