10 Chatham St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 10 Chatham St, Gardner, MA 01440 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1.5 Baths
Year Built	Built 1939
Square Footage	1,188 sqft Living Area
Lot Size	15,514 sqft (0.356 acres)
Occupancy	Owner Occupied
Last Sale	$130,000 (2006)
Tax Bill	$46.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`M:V-10 B:0002 L:0022`
Alternative APN	`GARD M:W12 B:17 L:22`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	6 Rooms
Building Area	1,188 sqft Living Area
Gross Area	3,741 sqft Gross Area
Stories	2 Stories

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Cape Cod Style
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	15,514 sqft (0.356 acres)

Utilities and HVAC

Heating System	Steam Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	10 CHATHAM ST
City	GARDNER
State	MA
Zip	01440-3606
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	17
Legal Lot Number	22
Jurisdiction	GARDNER MA
Minor Civil Division	GARDNER
Census Blockgroup	2
Census Block	2049
Census Tract	707100

Owner

Source: Worcester County and Gardner City records · APN M:V-10 B:0002 L:0022

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	10 CHATHAM ST, GARDNER, MA 01440-3606
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 13, 2006 · Amount on Record
Deed Sale	Apr 13, 2006 · Amount on Record
Deed Doc Number	200652847
Deed Book / Page	38757 / 202
Record Refreshed	Jun 08, 2026

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$46.00 (-99.02%)	$325,800 (+3.89%) Land $71,900 Building $253,900	$322,145
2024	$4,701.00 (+7.62%)	$313,600 (+15.81%) Land $65,400 Building $248,200
2023	$4,368.00	$270,800 Land $64,500 Building $206,300

Flood & Wildfire

10 Chatham St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Worcester County (25027C), updated November 30, 2025

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 58th in Massachusetts
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Indirect within ember reach of burnable land · adjoins burnable vegetation

Values are read at the parcel center point; lenders make the official flood determination.