Worcester County and Gardner City property record for 19 Chatham St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1936 |
| Square Footage | 1,330 sqft Living Area |
| Lot Size | 10,000 sqft (0.23 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $160,000 (2018) |
| Tax Bill | $44.00 (2025) |
| Primary APN | M:V-10 B:0013 L:0029 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,330 sqft Living Area |
| Gross Area | 2,986 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1936 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 10,000 sqft (0.23 acres) |
| Heating System | Steam Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Street Address | 19 CHATHAM ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3629 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Subdivision | EHNSTROM HEIGHTS |
| Legal Block | 22 |
| Legal Lot Number | 29 |
| Jurisdiction | GARDNER MA |
| Minor Civil Division | GARDNER |
| Census Blockgroup | 2 |
| Census Block | 2048 |
| Census Tract | 707100 |
Source: Worcester County and Gardner City records · APN M:V-10 B:0013 L:0029
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 | 19 CHATHAM ST, GARDNER, MA 01440-3629 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 09, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Feb 16, 2018 | Personal Representative Deed, Transfer · Federal Housing Administration (FHA) Mortgage BANK OF AMERICA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 16, 2018 · Amount on Record |
| Deed Sale | Feb 16, 2018 · Amount on Record |
| Prior Sale | Sep 09, 2002 · Amount on Record |
| Deed Doc Number | 201815897 |
| Deed Book / Page | 58449 / 203 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 19 CHATHAM ST, GARDNER, MA 01440-3629 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62553-174 |
|---|---|
| Date | Jun 09, 2020 |
| Book Page | 62553/174 |
| Instrument | 59621 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Feb 16, 2018 |
| Property Address | 19 CHATHAM ST, GARDNER, MA 01440-3629 |
| Document Number | 58449-203 |
| Book / Page | 058449 / 000203 |
| Instrument Date | Feb 12, 2018 |
| Instrument | 15897 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $729.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 19 CHATHAM ST GARDNER MA 014403629, GARDNER, MA 01440-3629 |
| Document Number | 58449-207 |
|---|---|
| Date | Feb 16, 2018 |
| Book Page | 058449/000207 |
| Instrument | 15898 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 15, 2048 |
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 | $44.00 (-99.01%) | $311,300 (+4.99%) Land $68,500 Building $242,800 | $276,450 |
| 2024 | $4,445.00 (+10.93%) | $296,500 (+19.36%) Land $62,300 Building $234,200 | |
| 2023 | $4,007.00 | $248,400 Land $61,400 Building $187,000 |
19 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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