Worcester County and Gardner City property record for 20 Chatham St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Architecture Style | Cape Cod |
| Year Built | Built 1931 |
| Square Footage | 1,178 sqft Living Area |
| Lot Size | 14,331 sqft (0.329 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $44.00 (2025) |
| Primary APN | M:V-10 B:0004 L:0024 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,178 sqft Living Area |
| Gross Area | 2,995 sqft Gross Area |
| Stories | 1 Stories |
| Year Built | Built 1931 |
|---|---|
| Effective Year Built | Effective 1931 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 14,331 sqft (0.329 acres) |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Street Address | 20 CHATHAM ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3630 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 22 |
| Legal Lot Number | 24 |
| 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:0004 L:0024
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 CHATHAM ST, GARDNER, MA 01440-3630 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Refreshed | Jun 08, 2026 |
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%) | $308,400 (+4.08%) Land $71,100 Building $237,300 | $339,055 |
| 2024 | $4,442.00 (+8.34%) | $296,300 (+16.56%) Land $64,700 Building $231,600 | |
| 2023 | $4,100.00 | $254,200 Land $63,800 Building $190,400 |
20 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures