2 Chatham St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 2 Chatham St, Gardner, MA 01440 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1958
Square Footage	1,050 sqft Living Area
Lot Size	10,125 sqft (0.232 acres)
Occupancy	Owner Occupied
Last Sale	$155,500 (2017)
Tax Bill	$45.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`M:V-10 B:0001 L:0021`
Alternative APN	`GARD M:W12 B:17 L:21`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Total Rooms	4 Rooms
Building Area	1,050 sqft Living Area
Gross Area	2,268 sqft Gross Area
Stories	1 Stories

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch Style
Exterior Material	Asbestos Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	10,125 sqft (0.232 acres)

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	2 CHATHAM ST
City	GARDNER
State	MA
Zip	01440-3606
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	17
Legal Lot Number	21
Jurisdiction	GARDNER MA
Minor Civil Division	GARDNER
Census Blockgroup	2
Census Block	2049
Census Tract	707100

Owner

Source: Worcester County and Gardner City records · APN M:V-10 B:0001 L:0021

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	2 Individual Names on File
Mailing Address	2 CHATHAM ST, GARDNER, MA 01440-3606
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Feb 04, 2021	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP
Feb 11, 2020	Quit Claim Deed, Transfer · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP
Apr 26, 2017	Quit Claim Arm's Length for NE States, Transfer · Federal Housing Administration (FHA) Mortgage CROSSCOUNTRY MORTGAGE INC
Apr 26, 2017	Quit Claim Deed, Transfer Quitclaim Document

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 26, 2017 · Amount on Record
Deed Sale	Apr 26, 2017 · Amount on Record
Prior Sale	Apr 26, 2017
Deed Book / Page	57025 / 354
Last Transfer Date	Feb 06, 2020
Transfer Doc	61880-48
Record Refreshed	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	2 CHATHAM ST, GARDNER, MA 01440-3606
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064398-145
Date	Feb 04, 2021
Book Page	64398/145
Instrument	17160

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Mar 01, 2050

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 11, 2020
Property Address	2 CHATHAM ST, GARDNER, MA 01440-3606
Document Number	61880-48
Book / Page	61880 / 48
Instrument Date	Feb 06, 2020
Instrument	14649
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Quitclaim Document Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 CHATHAM ST, GARDNER, MA 01440-3606

Mortgage

Document Number	0061880-52
Date	Feb 11, 2020
Book Page	61880/52
Instrument	14650

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2050

April 2017: Quit Claim Arm's Length for NE States, Transfer

Document Type	Quit Claim Arm's Length for NE States
Jurisdiction	GARDNER MA
Recording Date	Apr 26, 2017
Property Address	2 CHATHAM ST, GARDNER, MA 01440-3606
Document Number	57025-354
Book / Page	57025 / 354
Instrument	41542
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$26.40
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	570250359
Date	Apr 26, 2017
Instrument	57025/0359

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2047

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 26, 2017
Property Address	2 CHATHAM ST, GARDNER, MA 01440-3606
Document Number	57025-349
Book / Page	057025 / 000349
Instrument Date	Apr 25, 2017
Instrument	41540
Transaction Type	Transfer
Record Updated	May 16, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Document Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11 VIRGINIA AVE WESTMINSTER MA 014731608, WESTMINSTER, MA 01473-1608

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified July 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

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	$45.00 (-98.98%)	$315,200 (+7.32%) Land $68,600 Building $246,600	$269,990
2024	$4,403.00 (+8.02%)	$293,700 (+16.22%) Land $62,400 Building $231,300
2023	$4,076.00	$252,700 Land $61,500 Building $191,200

Flood & Wildfire

2 Chatham St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 58th in Massachusetts
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Indirect within ember reach of burnable land · adjoins burnable vegetation

Values are read at the parcel center point; lenders make the official flood determination.

2 Chatham St, Gardner, MA 01440 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

February 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2017: Quit Claim Arm's Length for NE States, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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