120 Chapel St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 120 Chapel St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1992
Lot Size	0.49 acres (21,346 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Jun 2020)
Tax Bill	$55 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Aug 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M:Y-28 B:0004E L:0021`

Property Details

APN / Parcel Number

Primary APN	`M:Y-28 B:0004E L:0021`
Alternative APN	`GARD M:W27 B:10 L:21`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	3,552 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,346 sqft (0.49 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	120 CHAPEL ST
City	GARDNER
State	MA
Zip	01440-1704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PAUL I & ALICE A CAMPBELL
Legal Block	10
Legal Lot Number	21
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2003
Census Tract	707500

Owner

Source: Worcester County and Gardner City records, 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 Record
Mailing Address	120 CHAPEL ST, GARDNER, MA 01440-1704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Aug 28, 2024	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
May 8, 2017	Deed of Trust, Mortgage · Line of Credit I-C FCU
May 15, 2019	Deed of Trust, Mortgage · Balloon Mortgage GFA FEDERAL CREDIT UNION
Mar 11, 2019	Deed of Trust, Mortgage · ARM HOMETOWN BANK
Jun 18, 2020	Quit Claim Deed, Transfer · FHA Mortgage EQUITY PRIME MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2020 · Amount on Record
Deed Sale	Jun 18, 2020 · Amount on Record
Prior Sale	Oct 2, 2015 · Amount on Record
Deed Book / Page	62620 / 78
Prior Transfer Date	Jun 16, 2020
Prior Transfer Doc	62620-78
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	120 CHAPEL ST, GARDNER, MA 01440-1704
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068605-372
Date	Dec 15, 2022
Book Page	68605/372
Instrument	132033

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	120 CHAPEL ST, GARDNER, MA 01440-1704
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070948-231
Date	Aug 28, 2024
Book Page	70948/231
Instrument	69256

Lender

Name	NEWREZ LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	120 CHAPEL ST, GARDNER, MA 01440-1704
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57080-137
Date	May 8, 2017
Book Page	57080/137
Instrument	45978

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 1, 2042

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	120 CHAPEL ST, GARDNER, MA 01440-1704
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60411-208
Date	May 15, 2019
Book Page	60411/208
Instrument	43799

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2039

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	120 CHAPEL ST, GARDNER, MA 01440-1704
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60132-210
Date	Mar 11, 2019
Book Page	60132/210
Instrument	21056

Lender

Name	HOMETOWN BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Apr 1, 2029

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 18, 2020
Property Address	120 CHAPEL ST, GARDNER, MA 01440-1704
Document Number	62620-78
Book / Page	62620 / 78
Instrument Date	Jun 16, 2020
Instrument	64228
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	120 CHAPEL ST, GARDNER, MA 01440-1704

Mortgage

Document Number	64229
Date	Jun 18, 2020
Instrument	64229

Lender

Name	EQUITY PRIME MTG

Agreement

Type	FHA 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
2025	$55.00 (-99.01%)	$387,400 (+4.87%) Land $75,300 Building $312,100	$421,420
2024	$5,537.00 (+5.57%)	$369,400 (+13.59%) Land $68,500 Building $300,900
2023	$5,245.00	$325,200 Land $67,500 Building $257,700

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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