232 Chapel St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 232 Chapel St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 1967
Lot Size	0.537 acres (23,375 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Oct 2020)
Tax Bill	$5,070 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:X27 B:16 L:8`

Property Details

APN / Parcel Number

Primary APN	`GARD M:X27 B:16 L:8`
Alternative APN	`M:Z-26 B:0009 L:0008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	3,004 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,375 sqft (0.537 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	232 CHAPEL ST
City	GARDNER
State	MA
Zip	01440-1708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	16
Legal Lot Number	8
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2003
Census Tract	707500

Owner

Source: Worcester County and Gardner City records, as of October 20, 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 Record
Mailing Address	232 CHAPEL ST, GARDNER, MA 01440-1708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2020 · Amount on Record
Deed Sale	Oct 9, 2020 · Amount on Record
Prior Sale	Oct 31, 2008 · Amount on Record
Deed Document Number	2020120215
Deed Book / Page	63465 / 331
Record Updated	Oct 29, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 9, 2020
Property Address	232 CHAPEL ST, GARDNER, MA 01440-1708
Document Number	63465-331
Book / Page	63465 / 331
Instrument Date	Oct 9, 2020
Instrument	120215
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	232 CHAPEL ST, GARDNER, MA 01440-1708
Investor	Possibly a Property Investor

Mortgage

Document Number	120216
Date	Oct 9, 2020
Instrument	120216

Lender

Name	OCMBC INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$5,070.00 (+10,04%)	$368,200 (+4.66%) Land $84,000 Building $284,200	$403,985 (-0.27%)
2025	$50.00 (-99%)	$351,800 (+5.08%) Land $76,400 Building $275,400	$405,080
2024	$5,019.00 (+4.98%)	$334,800 (+12.96%) Land $69,500 Building $265,300
2023	$4,781.00	$296,400 Land $68,500 Building $227,900

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

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	Direct burnable vegetation

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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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