112 Chapel St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 112 Chapel St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,659 sqft · built 1993
Lot Size	0.311 acres (13,566 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (May 2021)
Tax Bill	$57 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Mar 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:Y-28 B:0004C L:0019`

Property Details

APN / Parcel Number

Primary APN	`M:Y-28 B:0004C L:0019`
Alternative APN	`GARD M:W27 B:10 L:19`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,659 sqft Living Area
Gross Area	3,931 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,566 sqft (0.311 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	112 CHAPEL ST
City	GARDNER
State	MA
Zip	01440-1704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	10
Legal Lot Number	19
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2003
Census Tract	707500

Owner

Source: Worcester County and Gardner City assessment roll, as of April 14, 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	112 CHAPEL ST, GARDNER, MA 01440-1704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) FIDELITY COOPERATIVE BANK
Mar 21, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
May 7, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Jan 4, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 7, 2021 · Amount on Record
Deed Sale	May 7, 2021 · Amount on Record
Prior Sale	Feb 28, 2007 · Amount on Record
Deed Document Number	202163692
Deed Book / Page	65119 / 384
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	112 CHAPEL ST, GARDNER, MA 01440-1704
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070274-219
Date	Mar 12, 2024
Book Page	70274/219
Instrument	17579

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2044

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	112 CHAPEL ST, GARDNER, MA 01440-1704
Transaction Type	Mortgage
Record Updated	Apr 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067294-89
Date	Mar 21, 2022
Book Page	67294/89
Instrument	30887

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 7, 2021
Property Address	112 CHAPEL ST, GARDNER, MA 01440-1704
Document Number	65119-384
Book / Page	65119 / 384
Instrument Date	May 7, 2021
Instrument	63692
Transaction Type	Transfer
Record Updated	May 21, 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
Address	112 CHAPEL ST, GARDNER, MA 01440-1704

Mortgage

Document Number	63693
Date	May 7, 2021
Instrument	63693

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	112 CHAPEL ST, GARDNER, MA 01440-1704
Document Number	59956-248
Instrument Date	Jan 4, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 CHAPEL ST GARDNER MA 014401704, GARDNER, MA 01440-1704

Mortgage

Document Number	59956-248
Date	Jan 22, 2019
Book Page	059956/000248
Instrument	5768

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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
2025	$57.00 (-99.03%)	$403,000 (+2.34%) Land $70,700 Building $332,300	$457,995
2024	$5,903.00 (+8.27%)	$393,800 (+16.51%) Land $64,300 Building $329,500
2023	$5,452.00	$338,000 Land $63,400 Building $274,600

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

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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