15 Chatham St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 15 Chatham St, Gardner, MA 01440 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Architecture Style	Conventional
Year Built	Built 1950
Square Footage	1,440 sqft Living Area
Lot Size	21,962 sqft (0.504 acres)
Occupancy	Owner Occupied
Tax Bill	$46.00 (2025)

Owner

Source: Worcester County and Gardner City records · APN M:V-10 B:0014 L:0032

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	15 CHATHAM ST, GARDNER, MA 01440-3605
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Sep 01, 2021
Transfer Doc	65993-185
Record Refreshed	Jun 08, 2026

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 03, 2021
Property Address	15 CHATHAM ST, GARDNER, MA 01440-3605
Document Number	65993-185
Book / Page	65993 / 185
Instrument Date	Sep 01, 2021
Instrument	124765
Transaction Type	Transfer
Record Updated	Sep 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Quitclaim Document Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 CHATHAM ST, GARDNER, MA 01440-3605

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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$46.00 (-99%)	$325,800 (+5.95%) Land $75,600 Building $250,200	$350,455
2024	$4,609.00 (+2.56%)	$307,500 (+10.37%) Land $68,800 Building $238,700
2023	$4,494.00	$278,600 Land $67,800 Building $210,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 6% of the US · above 14% of Massachusetts
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`M:V-10 B:0014 L:0032`
Alternative APN	`GARD M:W12 B:22 L:32`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Total Rooms	6 Rooms
Building Area	1,440 sqft Living Area
Gross Area	2,905 sqft Gross Area
Stories	2 Stories

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional Style
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gambrel Roof Construction
Roof Material	Asphalt Roof
Lot Area	21,962 sqft (0.504 acres)

Utilities and HVAC

Heating System	Steam Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	15 CHATHAM ST
City	GARDNER
State	MA
Zip	01440-3605
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	22
Legal Lot Number	32
Jurisdiction	GARDNER MA
Minor Civil Division	GARDNER
Census Blockgroup	2
Census Block	2048
Census Tract	707100