Worcester County and Gardner City property record for 28 Chapel St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,609 sqft · built 2017 |
| Lot Size | 2.33 acres (101,818 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $96 (2025) |
| Deeds & Mortgages | Sep 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 18003 |
| Primary APN | 18003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,609 sqft Living Area |
| Gross Area | 6,392 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 101,818 sqft (2.33 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 18003 |
|---|---|
| Street Address | 28 CHAPEL ST |
| City | GARDNER |
| State | MA |
| Zip | 01440-1702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 24 |
| Legal Lot Number | 19 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 707500 |
28 Chapel St is owned and occupied by an individual.
Source: Worcester County and Gardner City records, as of April 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 28 CHAPEL ST, GARDNER, MA 01440-1702 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 28 CHAPEL ST, GARDNER, MA 01440-1702 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 61082-215 |
|---|---|
| Date | Sep 20, 2019 |
| Book Page | 61082/215 |
| Instrument | 97154 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2039 |
The 2025 property tax bill for 28 Chapel St was $96, down 99% 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 |
|---|---|---|---|
| 2025 | $96.00 (-99.03%) | $671,200 (+1.64%) Land $91,800 Building $579,400 | $656,260 |
| 2024 | $9,899.00 (+7.45%) | $660,400 (+15.62%) Land $84,000 Building $576,400 | |
| 2023 | $9,213.00 | $571,200 Land $81,800 Building $489,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 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 28 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 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
5G (outdoors only) and 4G LTE
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