103 Chapel St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 103 Chapel St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,194 sqft · built 1994
Lot Size	0.646 acres (28,160 sqft)
Owner	2 Individual Names on Record
Last Sale	$469,000 (Apr 2024)
Tax Bill	$5,950 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage May 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W27 B:9 L:9A`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W27 B:9 L:9A`
Alternative APN	`M:Y-28 B:0035B L:0009A`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,194 sqft Living Area
Gross Area	2,866 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,160 sqft (0.646 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	103 CHAPEL ST
City	GARDNER
State	MA
Zip	01440-1700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	9
Legal Lot Number	9A
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2007
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	103 CHAPEL ST, GARDNER, MA 01440-1700
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage COUNTRY BANK
May 2, 2023	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Nov 16, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Jan 9, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2024 · Amount on Record
Deed Sale	Apr 17, 2024 · Amount on Record
Prior Sale	Jan 9, 2020 · Amount on Record
Deed Document Number	202427972
Deed Book / Page	70407 / 97
Record Updated	Oct 29, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 17, 2024
Property Address	103 CHAPEL ST, GARDNER, MA 01440-1700
Document Number	0070407-97
Book / Page	70407 / 97
Instrument Date	Apr 17, 2024
Instrument	27972
Transaction Type	Transfer
Record Updated	May 3, 2024

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	Joint Tenants with Right of Survivorship
Address	103 CHAPEL ST, GARDNER, MA 01440-1700

Mortgage

Document Number	0000027973
Date	Apr 17, 2024
Instrument	27973

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Type Change Date	May 1, 2031
Max Rate At Change	2.75%
Index	Other

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	103 CHAPEL ST, GARDNER, MA 01440-1700
Transaction Type	Mortgage
Record Updated	May 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069085-304
Date	May 2, 2023
Book Page	69085/304
Instrument	33456

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	103 CHAPEL ST, GARDNER, MA 01440-1700
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63755-118
Date	Nov 16, 2020
Book Page	63755/118
Instrument	139688

Lender

Name	HARBORONE MORTGAGE

Agreement

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

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 9, 2020
Property Address	103 CHAPEL ST, GARDNER, MA 01440-1700
Document Number	61720-397
Book / Page	61720 / 397
Instrument Date	Jan 8, 2020
Instrument	2397
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	108 OLDE POINT RD, HAMPSTEAD, NC 28443-2386

Mortgage

Document Number	2398
Date	Jan 9, 2020
Instrument	2398

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$5,950.00 (+11,566.67%)	$432,100 (+19.83%) Land $87,200 Building $344,900	$452,973 (+3.97%)
2025	$51.00 (-98.95%)	$360,600 (+11.71%) Land $79,200 Building $281,400	$435,670
2024	$4,839.00 (+0.88%)	$322,800 (+8.54%) Land $72,100 Building $250,700
2023	$4,797.00	$297,400 Land $71,000 Building $226,400

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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