301 Chapel St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 301 Chapel St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,459 sqft · built 1957
Lot Size	2.15 acres (93,977 sqft)
Owner	Individual Name on Record
Last Sale	$213,000 (Sep 2015)
Tax Bill	$4,832 (2026)
Deeds & Mortgages	Feb 2021 Refinance Aug 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`GARD M:X27 B:21 L:3`

Property Details

APN / Parcel Number

Primary APN	`GARD M:X27 B:21 L:3`
Alternative APN	`M:Z-25 B:0017A L:0003`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,459 sqft Living Area
Gross Area	3,569 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	93,977 sqft (2.15 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	301 CHAPEL ST
City	GARDNER
State	MA
Zip	01440-1738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	21
Legal Lot Number	3
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	301 CHAPEL ST, GARDNER, MA 01440-1738
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LAKEVIEW LOAN SERVICING LLC
Aug 4, 2023	Quit Claim Deed, Transfer · Stand-Alone Refinance LAKEVIEW LOAN SERVICING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2015 · Amount on Record
Deed Sale	Sep 8, 2015 · Amount on Record
Deed Book / Page	54263 / 209
Last Transfer Date	Jul 8, 2023
Transfer Doc	069479-303
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	301 CHAPEL ST, GARDNER, MA 01440-1738
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064377-341
Date	Feb 2, 2021
Book Page	64377/341
Instrument	15616

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2046

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 4, 2023
Property Address	301 CHAPEL ST, GARDNER, MA 01440-1738
Document Number	069479-303
Book / Page	69479 / 303
Instrument Date	Jul 8, 2023
Instrument	63926
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	301 CHAPEL ST, GARDNER, MA 01440-1738

Mortgage

Document Number	0000063927
Date	Aug 4, 2023
Instrument	63927

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

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	$4,832.00 (+9,966.67%)	$350,900 (+4.31%) Land $99,900 Building $251,000	$412,842 (-7.87%)
2025	$48.00 (-99.04%)	$336,400 (+0.63%) Land $90,900 Building $245,500	$448,115
2024	$5,011.00 (+6.53%)	$334,300 (+14.64%) Land $83,100 Building $251,200
2023	$4,704.00	$291,600 Land $81,100 Building $210,500

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 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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