224 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 224 Chestnut St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,560 sqft · built 1900
Lot Size	0.235 acres (10,243 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Nov 2021)
Tax Bill	$5,783 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:8 L:40`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:8 L:40`
Alternative APN	`M:R-23 B:0018 L:0040`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,560 sqft Living Area
Gross Area	5,443 sqft
Basement Area	1,258 sqft
Unfinished Basement	1,258 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	10,243 sqft (0.235 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	224 CHESTNUT ST
City	GARDNER
State	MA
Zip	01440-2770
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	GEDIMINAS P & THELMA J PENEY
Legal Block	8
Legal Lot Number	40
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3013
Census Tract	707500

Owner

224 Chestnut St is owned and occupied by an individual who bought it in November 2021.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	224 CHESTNUT ST, GARDNER, MA 01440-2770
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2021 · Amount on File
Deed Sale	Nov 9, 2021 · Amount on File
Prior Sale	Jun 30, 2014 · Amount on File
Deed Book / Page	66485 / 143
Prior Transfer Date	Nov 8, 2021
Prior Transfer Doc	66485-143
Record Updated	Oct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 9, 2021
Property Address	224 CHESTNUT ST, GARDNER, MA 01440-2770
Document Number	66485-143
Book / Page	66485 / 143
Instrument Date	Nov 8, 2021
Instrument	157098
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	224 CHESTNUT ST, GARDNER, MA 01440-2770

Mortgage

Document Number	157099
Date	Nov 9, 2021
Instrument	157099

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 224 Chestnut St was $5,783, up 10,414.5% from the year before.

Source: Worcester County and Gardner City assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,783.00 (+10,414.55%)	$420,000 (+8.14%) Land $75,600 Building $344,400	$451,645 (+2.28%)
2025	$55.00 (-99.02%)	$388,400 (+3.79%) Land $68,600 Building $319,800	$441,560
2024	$5,609.00 (+2.69%)	$374,200 (+10.51%) Land $62,400 Building $311,800
2023	$5,462.00	$338,600 Land $61,500 Building $277,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 224 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

Wildfire risk around 224 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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