65 Cardinal Ln, Winchendon, MA 01475 Property Records

Worcester County and Winchendon Town property record for 65 Cardinal Ln, Winchendon, MA 01475

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,169 sqft · built 1998
Lot Size	1.84 acres (80,368 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Jun 2009)
Tax Bill	$5,983 (2025)
Deeds & Mortgages	Feb 2022 Refinance Sep 2018 Mortgage
APN	`WINC M:8A2 B:0 L:30`

Property Details

APN / Parcel Number

Primary APN	`WINC M:8A2 B:0 L:30`
Alternative APN	`WCDN M:8A2 B:0 L:30`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,169 sqft Living Area
Gross Area	5,010 sqft
Basement Area	2,169 sqft
Unfinished Basement	2,169 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	80,368 sqft (1.84 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	65 CARDINAL LN
City	WINCHENDON
State	MA
Zip	01475-1886
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	30
Jurisdiction	WINCHENDON MA
Township / Civil Division	WINCHENDON
Census Block Group	2
Census Block	2009
Census Tract	701101

Owner

65 Cardinal Ln is owned and occupied by two individuals who bought it in June 2009.

Source: Worcester County and Winchendon Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	65 CARDINAL LN, WINCHENDON, MA 01475-1886
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
Feb 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Sep 28, 2018	Deed of Trust, Mortgage · Closed-End Mortgage DIGITAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2009 · Amount on File
Deed Sale	Jun 1, 2009 · Amount on File
Prior Sale	Jul 2, 2004 · Amount on File
Deed Book / Page	44336 / 267
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Property Address	65 CARDINAL LN, WINCHENDON, MA 01475-1886
Transaction Type	Mortgage
Record Updated	Mar 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067149-180
Date	Feb 22, 2022
Book Page	67149/180
Instrument	20373

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHENDON MA
Property Address	65 CARDINAL LN, WINCHENDON, MA 01475-1886
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59470-126
Date	Sep 28, 2018
Book Page	59470/126
Instrument	102728

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	480 Months
Due	Sep 1, 2058

Tax Assessment & Valuation

The 2025 property tax bill for 65 Cardinal Ln was $5,983, down 0.4% from the year before.

Source: Worcester County and Winchendon Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Winchendon Town
Unified School District	Winchendon School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,983.00 (-0.4%)	$509,200 (+6.3%) Land $56,600 Building $452,600	$524,495 (+4.82%)
2024	$6,007.00 (+0.89%)	$479,000 (+7.81%) Land $56,600 Building $422,400	$500,365
2023	$5,954.00	$444,300 Land $54,400 Building $389,900

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

Flood

FEMA's flood maps do not cover 65 Cardinal Ln; 3 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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

Wildfire risk around 65 Cardinal Ln is low, with a 0.01% annual chance of 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	WINCHENDON WATER DEPARTMENT serves 5,706 people · EPA ID MA2343000
Water Source	Purchased surface water from ASH/WIN JOINT WATER AUTHORITY
Last State Inspection	Dec 2024
Lead	1 ppb (2024–2026) 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. 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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