102 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 102 Chestnut St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,176 sqft · built 1880
Lot Size	0.185 acres (8,039 sqft)
Owner	2 Individual Names on Record
Last Sale	$417,000 (Jul 2025)
Tax Bill	$5,527 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-25 B:0010 L:0009`

Property Details

APN / Parcel Number

Primary APN	`M:R-25 B:0010 L:0009`
Alternative APN	`GARD M:R27 B:22 L:51`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,176 sqft Living Area
Gross Area	3,984 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	8,039 sqft (0.185 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	102 CHESTNUT ST
City	GARDNER
State	MA
Zip	01440-2206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	22
Legal Lot Number	51
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3011
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	102 CHESTNUT ST, GARDNER, MA 01440-2206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2025	Quit Claim Deed, Transfer · FHA Mortgage EMM LOANS LLC
Aug 16, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage 1ST NATIONAL BANK
Jan 18, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2025 · Amount on Record
Deed Sale	Jul 8, 2025 · Amount on Record
Prior Sale	Aug 16, 2023 · Amount on Record
Deed Book / Page	72226 / 57
Record Updated	Oct 29, 2026

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 8, 2025
Property Address	102 CHESTNUT ST, GARDNER, MA 01440-2206
Document Number	0072226-57
Book / Page	72226 / 57
Instrument Date	Jul 8, 2025
Instrument	55744
Transaction Type	Transfer
Record Updated	Nov 19, 2025

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	102 CHESTNUT ST, GARDNER, MA 01440-2206

Mortgage

Document Number	0000055745
Date	Jul 8, 2025
Instrument	55745

Lender

Name	EMM LOANS LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 16, 2023
Property Address	102 CHESTNUT ST, GARDNER, MA 01440-2206
Document Number	069527-376
Book / Page	69527 / 376
Instrument Date	Aug 16, 2023
Instrument	67557
Transaction Type	Transfer
Record Updated	Nov 11, 2025

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	102 CHESTNUT ST, GARDNER, MA 01440-2206

Mortgage

Document Number	0000067558
Date	Aug 16, 2023
Instrument	67558

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 18, 2017
Property Address	102 CHESTNUT ST, GARDNER, MA 01440-2206
Document Number	56621-309
Book / Page	056621 / 000309
Instrument Date	Jan 11, 2017
Instrument	5836
Transaction Type	Transfer
Record Updated	Feb 7, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 CHESTNUT ST GARDNER MA 014402206, GARDNER, MA 01440-2206

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	$5,527.00 (+13.84%)	$401,400 (+18.72%) Land $74,100 Building $327,300	$411,139 (+5.04%)
2025	$4,855.00 (-0.53%)	$338,100 (+3.84%) Land $67,400 Building $270,700	$391,400
2024	$4,881.00 (+1.98%)	$325,600 (+9.74%) Land $61,300 Building $264,300
2023	$4,786.00	$296,700 Land $60,400 Building $236,300

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Gateway Fiber Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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