Worcester County and Gardner City property record for 249 Chapel St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,152 sqft · built 1972 |
| Lot Size | 0.739 acres (32,200 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,858 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance Feb 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:X27 B:21 L:8 |
| Primary APN | GARD M:X27 B:21 L:8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 2,536 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 32,200 sqft (0.739 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Street Address | 249 CHAPEL ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 21 |
| Legal Lot Number | 8 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 707500 |
249 Chapel St is owned and occupied by an individual.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 249 CHAPEL ST, GARDNER, MA 01440-1707 |
| 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.
| Date | Document |
|---|---|
| Feb 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Feb 23, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 249 CHAPEL ST, GARDNER, MA 01440-1707 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 64456-65 |
|---|---|
| Date | Feb 12, 2021 |
| Book Page | 64456/65 |
| Instrument | 21193 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 249 CHAPEL ST, GARDNER, MA 01440-1707 |
| Document Number | 58497-278 |
| Instrument Date | Feb 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2018 |
| Name | Verified Name |
|---|
| Document Number | 58497-278 |
|---|---|
| Date | Mar 1, 2018 |
| Book Page | 058497/000278 |
| Instrument | 7 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 29, 2048 |
The 2026 property tax bill for 249 Chapel St was $4,858, up 10,020.8% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,858.00 (+10,020.83%) | $352,800 (+4.94%) Land $89,400 Building $263,400 | $400,019 (-6.05%) |
| 2025 | $48.00 (-99.01%) | $336,200 (+4.18%) Land $81,300 Building $254,900 | $425,790 |
| 2024 | $4,837.00 | $322,700 Land $74,000 Building $248,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 249 Chapel St in Zone X, an area of minimal flood risk.
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 risk around 249 Chapel 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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