166 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 166 Chestnut St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,098 sqft · built 1900
Lot Size	0.355 acres (15,472 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Feb 2020)
Tax Bill	$5,852 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:3 L:11`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:3 L:11`
Alternative APN	`M:R-24 B:0013 L:0011`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,098 sqft Living Area
Gross Area	4,131 sqft
Basement Area	1,057 sqft
Unfinished Basement	1,057 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,472 sqft (0.355 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	166 CHESTNUT ST
City	GARDNER
State	MA
Zip	01440-2704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	3
Legal Lot Number	11
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3013
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	Individual Name on Record
Mailing Address	166 CHESTNUT ST, GARDNER, MA 01440-2704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage
Jan 17, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 21, 2020	Quit Claim Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2020 · Amount on Record
Deed Sale	Feb 21, 2020 · Amount on Record
Prior Sale	Aug 12, 1982 · Amount on Record
Deed Document Number	202018388
Deed Book / Page	61928 / 94
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Apr 8, 2026
Property Address	166 CHESTNUT ST, GARDNER, MA 01440-2704
Document Number	0073418-48
Book / Page	73418 / 48
Instrument Date	Apr 3, 2026
Instrument	2026655
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 CHESTNUT ST, GARDNER, MA 01440-2704

Mortgage

Document Number	0000000655,
Date	Apr 8, 2026
Book Page	73418/48
Instrument	2026655

Lender

Agreement

Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate	6%
Max Rate	-1%

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	166 CHESTNUT ST, GARDNER, MA 01440-2704
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068724-334
Date	Jan 17, 2023
Book Page	68724/334
Instrument	4235

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Feb 1, 2050

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 21, 2020
Property Address	166 CHESTNUT ST, GARDNER, MA 01440-2704
Document Number	61928-94
Book / Page	61928 / 94
Instrument Date	Feb 21, 2020
Instrument	18388
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	166 CHESTNUT ST, GARDNER, MA 01440-2704

Mortgage

Document Number	18389
Date	Feb 21, 2020
Instrument	18389

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	166 CHESTNUT ST, GARDNER, MA 01440-2704
Document Number	57948-147
Book / Page	057948 / 000147
Instrument Date	Oct 20, 2017
Transaction Type	Mortgage
Record Updated	Nov 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57948-147
Date	Oct 27, 2017
Book Page	057948/000147
Instrument	119675

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 26, 2042

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	$5,852.00 (+10,35%)	$425,000 (+7.81%) Land $79,100 Building $345,900	$452,921 (+18.01%)
2025	$56.00 (-99.02%)	$394,200 (+3.82%) Land $71,800 Building $322,400	$383,800
2024	$5,692.00 (+2.17%)	$379,700 (+9.93%) Land $65,400 Building $314,300
2023	$5,571.00	$345,400 Land $64,400 Building $281,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Gateway Fiber Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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