55 Gardner St, Arlington, MA 02474 Property Records

Middlesex County and Arlington Town property record for 55 Gardner St, Arlington, MA 02474

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,098 sqft · built 1947
Lot Size	0.072 acres (3,128 sqft)
Owner	2 Individual Names on File
Last Sale	$343,500 (Jun 2013)
Tax Bill	$7,216 (2026)
Deeds & Mortgages	May 2023 Mortgage Apr 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23753`

Property Details

APN / Parcel Number

Primary APN	`23753`
Alternative APN	`ARLI M:034.0 B:0004 L:0005`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,098 sqft Living Area
Gross Area	1,958 sqft
Basement Area	684 sqft
Unfinished Basement	684 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1955
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,128 sqft (0.072 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	23753
Street Address	55 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	5
Jurisdiction	ARLINGTON MA
Township / Civil Division	ARLINGTON
Census Block Group	1
Census Block	1009
Census Tract	356300

Owner

55 Gardner St is owned and occupied by two individuals who bought it in June 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	55 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
May 16, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MIT FCU
Apr 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage SALEM FIVE MORTGAGE COMPANY
May 21, 2018	Deed of Trust, Mortgage MIT FEDERAL CU
Sep 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2013 · Amount on File
Deed Sale	Jun 17, 2013 · Amount on File
Prior Sale	Jun 17, 2013 · Amount on File
Deed Book / Page	62036 / 103
Transfer Doc	6203000103
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARLINGTON MA
Property Address	55 GARDNER ST, ARLINGTON, MA 02474-3827
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081539-410
Date	May 16, 2023
Book Page	81539/410
Instrument	50470

Lender

Name	MIT FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	61 Months
Due	Jun 1, 2028

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARLINGTON MA
Recording Date	Apr 6, 2026
Property Address	55 GARDNER ST, ARLINGTON, MA 02474-3827
Document Number	085436-441
Book / Page	85436 / 441
Instrument Date	Apr 1, 2026
Instrument	202637926
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 GARDNER ST, ARLINGTON, MA 02474-3827

Mortgage

Document Number	0000037926,
Date	Apr 6, 2026
Book Page	85436/441
Instrument	202637926

Lender

Name	SALEM FIVE MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARLINGTON MA
Property Address	55 GARDNER ST, ARLINGTON, MA 02474-3827
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71037-302
Date	May 21, 2018
Book Page	71037/302
Instrument	71102

Lender

Name	MIT FEDERAL CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	120 Months
Due	May 1, 2028

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ARLINGTON MA
Property Address	55 GARDNER ST, ARLINGTON, MA 02474-3827
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75754-129
Date	Sep 29, 2020
Book Page	75754/129
Instrument	174218

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 55 Gardner St was $7,216, up 1.4% 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	$7,216.00 (+1.38%)	$676,300 (+2.33%) Land $426,500 Building $249,800	$692,320 (+5.01%)
2025	$7,118.00 (+10.65%)	$660,900 (+8.79%) Land $411,100 Building $249,800	$659,300 (+15.82%)
2024	$6,433.00 (+2.06%)	$607,500 (+8.04%) Land $390,500 Building $217,000	$569,240
2023	$6,303.00	$562,300 Land $349,400 Building $212,900

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

Flood

FEMA maps place 55 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 55 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.

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