Worcester County and Gardner City property record for 186 Chestnut St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 2,768 sqft · built 1880 |
| Lot Size | 0.341 acres (14,835 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,963 (2026) |
| Deeds & Mortgages | Mar 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R22 B:3 L:13 |
| Primary APN | GARD M:R22 B:3 L:13 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,768 sqft Living Area |
| Gross Area | 5,244 sqft |
| Basement Area | 1,234 sqft |
| Unfinished Basement | 1,234 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,835 sqft (0.341 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 186 CHESTNUT ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2704 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R1 |
| Legal Block | 3 |
| Legal Lot Number | 13 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 707500 |
186 Chestnut St, a duplex, is owned and occupied by an individual who acquired it in March 2022.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 186 CHESTNUT ST, GARDNER, MA 01440-2704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 3, 2022 |
| Transfer Doc | 067207-238 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Mar 3, 2022 |
| Property Address | 186 CHESTNUT ST, GARDNER, MA 01440-2704 |
| Document Number | 067207-238 |
| Book / Page | 67207 / 238 |
| Instrument Date | Mar 3, 2022 |
| Instrument | 24504 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 186 CHESTNUT ST, GARDNER, MA 01440-2704 |
The 2026 property tax bill for 186 Chestnut St was $4,963, up 10,689.1% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,963.00 (+10,689.13%) | $360,400 (+11.27%) Land $78,600 Building $281,800 | $437,392 |
| 2025 | $46.00 (-98.96%) | $323,900 (+9.91%) Land $71,400 Building $252,500 | |
| 2024 | $4,418.00 (+0.71%) | $294,700 (+8.35%) Land $65,000 Building $229,700 | |
| 2023 | $4,387.00 | $272,000 Land $64,100 Building $207,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 Chestnut St in Zone X, an area of minimal flood risk.
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 risk around 186 Chestnut St is low, with a 0.01% annual chance of 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.
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 |
| 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.
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.
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