Worcester County and Gardner City property record for 16 Chatham St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1938 |
| Square Footage | 1,384 sqft Living Area |
| Lot Size | 9,760 sqft (0.224 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $340,000 (2023) |
| Tax Bill | $41.00 (2025) |
| Primary APN | M:V-10 B:0003 L:0023 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,384 sqft Living Area |
| Gross Area | 3,259 sqft Gross Area |
| Stories | 1 Stories |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 9,760 sqft (0.224 acres) |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Street Address | 16 CHATHAM ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3606 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Subdivision | ENSTROM HEIGHTS |
| Legal Block | 22 |
| Legal Lot Number | 23 |
| Jurisdiction | GARDNER MA |
| Minor Civil Division | GARDNER |
| Census Blockgroup | 2 |
| Census Block | 2049 |
| Census Tract | 707100 |
Source: Worcester County and Gardner City records · APN M:V-10 B:0003 L:0023
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 | 16 CHATHAM ST, GARDNER, MA 01440-3606 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 15, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Nov 09, 2023 | Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage TOTAL MORTGAGE SERVICES LLC |
| Apr 29, 2020 | Deed of Trust, Mortgage · Stand Alone Refinance DIGITAL FCU |
| Apr 28, 2017 | Quit Claim Deed, Transfer · Federal Housing Administration (FHA) Mortgage MYCUMORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 09, 2023 · Amount on Record |
| Deed Sale | Nov 09, 2023 · Amount on Record |
| Prior Sale | Apr 28, 2017 · Amount on Record |
| Deed Book / Page | 69864 / 133 |
| Transfer Doc | 0000290343 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 16 CHATHAM ST, GARDNER, MA 01440-3606 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0069644-21 |
|---|---|
| Date | Sep 15, 2023 |
| Book Page | 69644/21 |
| Instrument | 76765 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 01, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Nov 09, 2023 |
| Property Address | 16 CHATHAM ST, GARDNER, MA 01440-3606 |
| Document Number | 069864-133 |
| Book / Page | 69864 / 133 |
| Instrument Date | Nov 09, 2023 |
| Instrument | 93979 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 CHATHAM ST, GARDNER, MA 01440-3606 |
| Document Number | 0000093980 |
|---|---|
| Date | Nov 09, 2023 |
| Instrument | 93980 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 16 CHATHAM ST, GARDNER, MA 01440-3606 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62293-156 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 62293/156 |
| Instrument | 42630 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 01, 2030 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 28, 2017 |
| Property Address | 16 CHATHAM ST, GARDNER, MA 01440-3606 |
| Document Number | 57043-165 |
| Book / Page | 057043 / 000165 |
| Instrument Date | Apr 28, 2017 |
| Instrument | 42904 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $848.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 16 CHATHAM ST GARDNER MA 014403606, GARDNER, MA 01440-3606 |
| Document Number | 57043-168 |
|---|---|
| Date | Apr 28, 2017 |
| Book Page | 057043/000168 |
| Instrument | 42905 |
| Name | MYCUMORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 27, 2047 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
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 | $41.00 (-99.01%) | $287,200 (+4.02%) Land $68,400 Building $218,800 | $317,965 |
| 2024 | $4,139.00 (+8.35%) | $276,100 (+16.6%) Land $62,200 Building $213,900 | |
| 2023 | $3,820.00 | $236,800 Land $61,300 Building $175,500 |
16 Chatham St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Worcester County (25027C), updated November 30, 2025
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 6th percentile of exposed land nationally · 14th in Massachusetts |
|---|---|
| Wildfire Likelihood | Low — 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.
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