262 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 262 Chestnut St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,524 sqft · built 1920
Lot Size	0.283 acres (12,329 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Aug 2026)
Tax Bill	$6,011 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:8 L:24`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:8 L:24`
Alternative APN	`M:R-23 B:0021 L:0024`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,524 sqft Living Area
Gross Area	4,836 sqft
Basement Area	1,552 sqft
Unfinished Basement	1,552 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,329 sqft (0.283 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	262 CHESTNUT ST
City	GARDNER
State	MA
Zip	01440-2706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	8
Legal Lot Number	24
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3015
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	2 Individual Names on Record
Mailing Address	262 CHESTNUT ST, GARDNER, MA 01440-2706
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
May 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2026 · Amount on Record
Deed Sale	Aug 31, 2026 · Amount on Record
Prior Sale	Aug 30, 2016 · Amount on Record
Deed Document Number	202676047
Deed Book / Page	74107 / 90
Prior Transfer Date	Aug 27, 2026
Prior Transfer Doc	0000076047
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 31, 2026
Property Address	262 CHESTNUT ST, GARDNER, MA 01440-2706
Document Number	0000076047
Book / Page	74107 / 90
Instrument Date	Aug 27, 2026
Instrument	202676047
Transaction Type	Transfer
Record Updated	Sep 23, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	262 CHESTNUT ST, GARDNER, MA 01440-2706

Mortgage

Date	Aug 31, 2026

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	262 CHESTNUT ST, GARDNER, MA 01440-2706
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065111-57
Date	May 6, 2021
Book Page	65111/57
Instrument	63088

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2041

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	$6,011.00 (+9,918.33%)	$436,500 (+3.58%) Land $77,000 Building $359,500	$489,759 (+20.71%)
2025	$60.00 (-99.05%)	$421,400 (+0.02%) Land $69,900 Building $351,500	$405,745
2024	$6,315.00 (+8.45%)	$421,300 (+16.7%) Land $63,600 Building $357,700
2023	$5,823.00	$361,000 Land $62,700 Building $298,300

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 · 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

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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