49 Fieldstone Dr, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 49 Fieldstone Dr, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,954 sqft · built 1999
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on File
Last Sale	$249,984 (Jun 1999)
Tax Bill	$81 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jun 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:I-36 B:0056 L:0024`

Property Details

APN / Parcel Number

Primary APN	`M:I-36 B:0056 L:0024`
Alternative APN	`GARD M:H37 B:25 L:36`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,954 sqft Living Area
Gross Area	4,948 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,996 sqft (1.01 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	49 FIELDSTONE DR
City	GARDNER
State	MA
Zip	01440-1283
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	GARDNER
Legal Block	25
Legal Lot Number	36
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1014
Census Tract	707400

Owner

Source: Worcester County and Gardner City assessment roll, 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	2 Individual Names on File
Mailing Address	49 FIELDSTONE DR, GARDNER, MA 01440-1283
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit
Jun 7, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 22, 1999 · Amount on Record
Deed Sale	Jun 22, 1999 · Amount on Record
Deed Book / Page	21531 / 206
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Jun 22, 2026
Property Address	49 FIELDSTONE DR, GARDNER, MA 01440-1283
Document Number	0000050284
Book / Page	73746 / 335
Instrument Date	Jun 9, 2026
Instrument	202650284
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 FIELDSTONE DR, GARDNER, MA 01440-1283

Mortgage

Document Number	0000050284,
Date	Jun 22, 2026
Book Page	73746/335
Instrument	202650284

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	49 FIELDSTONE DR, GARDNER, MA 01440-1283
Transaction Type	Mortgage
Record Updated	Jun 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069223-81
Date	Jun 7, 2023
Book Page	69223/81
Instrument	44046

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate

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	$81.00 (-99.06%)	$569,700 (-1.25%) Land $96,500 Building $473,200	$638,970
2024	$8,648.00 (+3.87%)	$576,900 (+11.76%) Land $87,900 Building $489,000
2023	$8,326.00	$516,200 Land $98,700 Building $417,500

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	3 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2016 · rainfall accumulation

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Gateway Fiber Holdings Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Fieldstone Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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