66 Brook Ln, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 66 Brook Ln, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,078 sqft · built 2005
Lot Size	0.93 acres (40,507 sqft)
Owner	2 Individual Names on Record
Last Sale	$645,000 (Oct 2023)
Tax Bill	$8,203 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W27 B:24 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W27 B:24 L:2`
Alternative APN	`M:X-25 B:0002 L:0002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,078 sqft Living Area
Gross Area	6,120 sqft
Basement Area	2,078 sqft
Unfinished Basement	2,078 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,507 sqft (0.93 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	66 BROOK LN
City	GARDNER
State	MA
Zip	01440-4241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	24
Legal Lot Number	2
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 October 20, 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 Record
Mailing Address	66 BROOK LN, GARDNER, MA 01440-4241
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage GFA FEDERAL CREDIT UNION
Sep 4, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) GFA FEDERAL CREDIT UNION
Oct 2, 2023	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
May 25, 2023	Quit Claim Deed, Transfer Quitclaim
Jun 24, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Jul 2, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2023 · Amount on Record
Deed Sale	Oct 2, 2023 · Amount on Record
Prior Sale	Jul 2, 2019 · Amount on Record
Deed Document Number	202381864
Deed Book / Page	69711 / 214
Prior Transfer Date	Sep 29, 2023
Prior Transfer Doc	069711-214
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Jul 8, 2026
Property Address	66 BROOK LN, GARDNER, MA 01440-4241
Document Number	0000057013
Book / Page	73843 / 1
Instrument Date	Jul 2, 2026
Instrument	202657013
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	66 BROOK LN, GARDNER, MA 01440-4241

Mortgage

Document Number	0000057013,
Date	Jul 8, 2026
Book Page	73843/1
Instrument	202657013

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

Rate	5.79%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	66 BROOK LN, GARDNER, MA 01440-4241
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072492-301
Date	Sep 4, 2025
Book Page	72492/301
Instrument	75493

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2035

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 2, 2023
Property Address	66 BROOK LN, GARDNER, MA 01440-4241
Document Number	069711-214
Book / Page	69711 / 214
Instrument Date	Sep 29, 2023
Instrument	81864
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Amount	Amount Recorded
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	Tenants by the Entirety
Address	66 BROOK LN, GARDNER, MA 01440-4241

Mortgage

Document Number	0000081865
Date	Oct 2, 2023
Instrument	81865

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 25, 2023
Property Address	66 BROOK LN, GARDNER, MA 01440-4241
Document Number	069173-262
Book / Page	69173 / 262
Instrument Date	May 17, 2023
Instrument	40305
Transaction Type	Transfer
Record Updated	Jun 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	66 BROOK LN, GARDNER, MA 01440-4241

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	66 BROOK LN, GARDNER, MA 01440-4241
Transaction Type	Mortgage
Record Updated	Jul 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067803-385
Date	Jun 24, 2022
Book Page	67803/385
Instrument	69142

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Jul 1, 2027

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 2, 2019
Property Address	66 BROOK LN, GARDNER, MA 01440-4241
Document Number	60657-253
Book / Page	060657 / 000253
Instrument Date	Jun 28, 2019
Instrument	63681
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,778.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	66 BROOK LN GARDNER MA 014404241, GARDNER, MA 01440-4241

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
2026	$8,203.00 (+1.12%)	$595,700 (+5.45%) Land $111,400 Building $484,300	$574,086 (-4.73%)
2025	$8,112.00 (-0.2%)	$564,900 (+4.19%) Land $96,300 Building $468,600	$602,585
2024	$8,128.00 (+5.57%)	$542,200 (+13.6%) Land $87,600 Building $454,600
2023	$7,699.00	$477,300 Land $98,300 Building $379,000

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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