101 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 101 Chestnut St, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 3,906 sqft · built 1880
Lot Size	0.285 acres (12,412 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Oct 2021)
Tax Bill	$62 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jun 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:Q-25 B:0071 L:0014`

Property Details

APN / Parcel Number

Primary APN	`M:Q-25 B:0071 L:0014`
Alternative APN	`GARD M:R27 B:22 L:14`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,906 sqft Living Area
Gross Area	6,107 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Duplex Single
Exterior Material	Asbestos
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,412 sqft (0.285 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	101 CHESTNUT ST
City	GARDNER
State	MA
Zip	01440-2205
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	22
Legal Lot Number	14
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2007
Census Tract	707200

Owner

Source: Worcester County and Gardner City records · APN M:Q-25 B:0071 L:0014

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	101 CHESTNUT ST, GARDNER, MA 01440-2205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 01, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP
Jun 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RHODE ISLAND CREDIT UNION

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 01, 2021 · Amount on Record
Deed Sale	Oct 01, 2021 · Amount on Record
Prior Sale	Mar 10, 2016 · Amount on Record
Deed Book / Page	66203 / 266
Record Updated	Jun 08, 2026

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 01, 2021
Property Address	101 CHESTNUT ST, GARDNER, MA 01440-2205
Document Number	66203-266
Book / Page	66203 / 266
Instrument Date	Oct 01, 2021
Instrument	138469
Transaction Type	Transfer
Record Updated	Oct 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	101 CHESTNUT ST, GARDNER, MA 01440-2205
Investor	Possibly a Property Investor

Mortgage

Document Number	138470
Date	Oct 01, 2021
Instrument	138470

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	066203-288
Date	Oct 01, 2021
Book Page	66203/288
Instrument	138471

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Nov 01, 2036

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	101 CHESTNUT ST, GARDNER, MA 01440-2205
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62584-32
Date	Jun 12, 2020
Book Page	62584/32
Instrument	61757

Lender

Name	RHODE ISLAND CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jul 01, 2040

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 is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$62.00 (-98.89%)	$435,400 (+17.3%) Land $70,000 Building $365,400
2024	$5,564.00 (-3.35%)	$371,200 (+4.01%) Land $63,700 Building $307,500
2023	$5,757.00	$356,900 Land $62,800 Building $294,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277072002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 388 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Gateway Fiber Holdings	Fiber	2,000 / 2,000
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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