Worcester County and Gardner City property record for 196 Chestnut St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,483 sqft · built 1900 |
| Lot Size | 0.612 acres (26,651 sqft) |
| Owner | Individual Name on File |
| Last Sale | $510,000 (Jun 2026) |
| Tax Bill | $59 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Oct 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R22 B:8 L:38 |
| Primary APN | GARD M:R22 B:8 L:38 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,483 sqft Living Area |
| Gross Area | 5,336 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,651 sqft (0.612 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 196 CHESTNUT ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 8 |
| Legal Lot Number | 38 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City records · APN GARD M:R22 B:8 L:38
Assessment roll updated April 14, 2026 · Last verified July 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 | 196 CHESTNUT ST, GARDNER, MA 01440-2704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Jun 25, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage |
| Oct 24, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 25, 2026 · Amount on Record |
| Deed Sale | Jun 25, 2026 · Amount on Record |
| Deed Document Number | 202651943 |
| Deed Book / Page | 73770 / 334 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 25, 2026 |
| Property Address | 196 CHESTNUT ST, GARDNER, MA 01440-2704 |
| Document Number | 0000051943 |
| Book / Page | 73770 / 334 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 202651943 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2026 |
| 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 | 196 CHESTNUT ST, GARDNER, MA 01440-2704 |
| Date | Jun 25, 2026 |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Oct 24, 2018 |
| Property Address | 196 CHESTNUT ST, GARDNER, MA 01440-2704 |
| Document Number | 59586-223 |
| Book / Page | 059586 / 000223 |
| Instrument Date | Apr 17, 2018 |
| Instrument | 112656 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 196 CHESTNUT ST GARDNER MA 014402704, GARDNER, MA 01440-2704 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified July 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 | $59.00 (-99.02%) | $413,300 (+2.45%) Land $78,300 Building $335,000 | $414,200 |
| 2024 | $6,047.00 (+1.51%) | $403,400 (+9.23%) Land $71,200 Building $332,200 | |
| 2023 | $5,957.00 | $369,300 Land $70,200 Building $299,100 |
Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Holdings Fiber | 2,000 / 2,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 388 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARDNER WATER DEPARTMENT serves 21,381 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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