49 Gardner St, Arlington, MA 02474 Property Records

Middlesex County and Arlington Town property record for 49 Gardner St, Arlington, MA 02474

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,069 sqft · built 1947
Lot Size	0.081 acres (3,520 sqft)
Owner	2 Individual Names on File
Last Sale	$531,000 (Jun 2021)
Tax Bill	$6,379 (2026)
Deeds & Mortgages	Sep 2019 Mortgage Aug 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23726`

Property Details

APN / Parcel Number

Primary APN	`23726`
Alternative APN	`ARLI M:034.0 B:0004 L:0002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,069 sqft Living Area
Gross Area	1,320 sqft
Basement Area	396 sqft
Unfinished Basement	119 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1955
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	3,520 sqft (0.081 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	23726
Street Address	49 GARDNER ST
City	ARLINGTON
State	MA
Zip	02474-3827
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	4
Legal Lot Number	2
Jurisdiction	ARLINGTON MA
Township / Civil Division	ARLINGTON
Census Block Group	1
Census Block	1009
Census Tract	356300

Owner

49 Gardner St is owned and occupied by two individuals who bought it in June 2021.

Source: Middlesex County and Arlington Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	49 GARDNER ST, ARLINGTON, MA 02474-3827
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
Sep 13, 2019	Deed of Trust, Mortgage · Balloon Mortgage EVERETT COOPERATIVE BANK
Aug 14, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance EVERETT COOPERATIVE BANK
Jun 16, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EAST CAMBRIDGE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2021 · Amount on File
Deed Sale	Jun 16, 2021 · Amount on File
Prior Sale	Jan 9, 2012 · Amount on File
Deed Book / Page	78032 / 519
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARLINGTON MA
Property Address	49 GARDNER ST, ARLINGTON, MA 02474-3827
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073273-45
Date	Sep 13, 2019
Book Page	73273/45
Instrument	138870

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2044

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARLINGTON MA
Property Address	49 GARDNER ST, ARLINGTON, MA 02474-3827
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073105-193
Date	Aug 14, 2019
Book Page	73105/193
Instrument	120024

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ARLINGTON MA
Recording Date	Jun 16, 2021
Property Address	49 GARDNER ST, ARLINGTON, MA 02474-3827
Document Number	078032-519
Book / Page	78032 / 519
Instrument Date	Jun 16, 2021
Instrument	136555
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	49 GARDNER ST, ARLINGTON, MA 02474-3827

Mortgage

Document Number	0000136556
Date	Jun 16, 2021
Instrument	136556

Lender

Name	EAST CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 49 Gardner St was $6,379, up 1.8% from the year before.

Source: Middlesex County and Arlington Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Arlington Town
Unified School District	Arlington School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,379.00 (+1.75%)	$597,800 (+2.7%) Land $436,200 Building $161,600	$582,763 (-11.37%)
2025	$6,269.00 (+9.69%)	$582,100 (+7.86%) Land $420,500 Building $161,600	$657,495 (+12.66%)
2024	$5,715.00 (+2.82%)	$539,700 (+8.85%) Land $399,400 Building $140,300	$583,585
2023	$5,558.00	$495,800 Land $357,400 Building $138,400

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

Flood

FEMA maps place 49 Gardner St in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · 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
Flood Insurance Cost	Premium on File median of 27 individual policies
Nearby Flood Policies	145 units insured incl. 118 condo units
Nearby Flood Claims	25 (1982–2010)
Claims Outside the SFHA	7 of 25
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 8 claims Severe Storms And Flooding, May 2006 · 8 claims Extreme Weather Conditons And Flooding, Oct 1996 · 3 claims

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

The area around 49 Gardner St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	ARLINGTON WATER DEPT. (MWRA) serves 46,308 people · EPA ID MA3010000
Water Source	Purchased surface water from MWRA
Last State Inspection	Aug 2023
Lead	3 ppb (2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 670 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Netafy, Starry.

Nearby Properties on Gardner St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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