63 Brook Ln, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 63 Brook Ln, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,709 sqft · built 2004
Lot Size	0.953 acres (41,517 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Aug 2018)
Tax Bill	$7,953 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Mar 2025 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W27 B:24 L:5`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W27 B:24 L:5`
Alternative APN	`M:X-25 B:0005 L:0005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,709 sqft Living Area
Gross Area	4,929 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,517 sqft (0.953 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	63 BROOK LN
City	GARDNER
State	MA
Zip	01440-4241
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	24
Legal Lot Number	5
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 April 14, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	63 BROOK LN, GARDNER, MA 01440-4241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Deed of Trust, Mortgage · Line of Credit GFA FEDERAL CREDIT UNION
Mar 11, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION
Nov 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION
Nov 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION
Sep 17, 2018	Deed of Trust, Mortgage · Line of Credit GFA FEDERAL CREDIT UNION
Aug 31, 2018	Quit Claim Deed, Transfer GFA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2018 · Amount on Record
Deed Sale	Aug 31, 2018 · Amount on Record
Prior Sale	May 3, 2004 · Amount on Record
Deed Book / Page	59342 / 10
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	63 BROOK LN, GARDNER, MA 01440-4241
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067118-350
Date	Feb 15, 2022
Book Page	67118/350
Instrument	17998

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2042

Interest

Rate Type	Adjustable Rate

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	63 BROOK LN, GARDNER, MA 01440-4241
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071726-357
Date	Mar 11, 2025
Book Page	71726/357
Instrument	18955

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2045

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	63 BROOK LN, GARDNER, MA 01440-4241
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066584-29
Date	Nov 22, 2021
Book Page	66584/29
Instrument	163549

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	63 BROOK LN, GARDNER, MA 01440-4241
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66584-29
Date	Nov 22, 2021
Book Page	66584/29
Instrument	163549

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	63 BROOK LN, GARDNER, MA 01440-4241
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59414-209
Date	Sep 17, 2018
Book Page	59414/209
Instrument	98129

Lender

Name	GFA FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2038

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 31, 2018
Property Address	63 BROOK LN, GARDNER, MA 01440-4241
Document Number	59342-10
Book / Page	59342 / 10
Instrument	92109
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$61.82
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	593420013
Date	Aug 31, 2018
Instrument	59342/0013

Lender

Name	GFA FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Aug 31, 2048

Interest

Rate	3.88%
Max Rate At Change	90.1%
Max Rate	2.75%

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	$7,953.00 (-0.03%)	$553,800 (+4.35%) Land $96,300 Building $457,500	$591,660
2024	$7,955.00 (+5%)	$530,700 (+12.99%) Land $87,700 Building $443,000
2023	$7,576.00	$469,700 Land $98,500 Building $371,200

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

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