72 Brook Ln, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 72 Brook Ln, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,632 sqft · built 2004
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$374,700 (May 2004)
Tax Bill	$8,269 (2026)
Deeds & Mortgages	Feb 2021 Refinance Jun 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W27 B:24 L:3`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W27 B:24 L:3`
Alternative APN	`M:X-25 B:0003 L:0003`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,632 sqft Living Area
Gross Area	5,112 sqft
Basement Area	1,016 sqft
Unfinished Basement	1,016 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,738 sqft (1.05 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	72 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	3
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	72 BROOK LN, GARDNER, MA 01440-4241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jun 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Mar 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR
Jul 12, 2018	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2004 · Amount on Record
Deed Sale	May 25, 2004 · Amount on Record
Deed Document Number	200492535
Deed Book / Page	33696 / 366
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	72 BROOK LN, GARDNER, MA 01440-4241
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64532-21
Date	Feb 23, 2021
Book Page	64532/21
Instrument	25657

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	72 BROOK LN, GARDNER, MA 01440-4241
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62636-350
Date	Jun 22, 2020
Book Page	62636/350
Instrument	65312

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	72 BROOK LN, GARDNER, MA 01440-4241
Document Number	60215-378
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	72 BROOK LN GARDNER MA 014404241, GARDNER, MA 01440-4241

Mortgage

Document Number	60215-378
Date	Mar 29, 2019
Book Page	060215/000378
Instrument	27914

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2049

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	72 BROOK LN, GARDNER, MA 01440-4241
Document Number	59113-224
Instrument Date	Jul 12, 2018
Transaction Type	Mortgage
Record Updated	Aug 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 BROOK LN GARDNER MA 014404241, GARDNER, MA 01440-4241

Mortgage

Document Number	59113-224
Date	Jul 18, 2018
Book Page	059113/000224
Instrument	72721

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2048

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	$8,269.00 (+11,074.32%)	$600,500 (+15.19%) Land $111,800 Building $488,700	$605,616 (-14.02%)
2025	$74.00 (-99.05%)	$521,300 (+0.54%) Land $96,600 Building $424,700	$704,330
2024	$7,772.00 (+2.41%)	$518,500 (+10.2%) Land $88,000 Building $430,500
2023	$7,589.00	$470,500 Land $99,000 Building $371,500

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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