320 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 320 Chestnut St, Gardner, MA 01440

Property Summary

Property Type	Apartments (5+ Units)
Details	9 bd · 4 ba · 3,732 sqft · built 1900
Lot Size	0.147 acres (6,415 sqft)
Owner	Company Name on Record
Last Sale	$35,500 (Jan 2000)
Tax Bill	$65 (2025)
Deeds & Mortgages	Aug 2022 Refinance Nov 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-22 B:0023 L:0020`

Property Details

APN / Parcel Number

Primary APN	`M:R-22 B:0023 L:0020`
Alternative APN	`GARD M:R22 B:13 L:20`

Interior

Bedrooms	9 Beds
Full Baths	4 Baths
Total Rooms	16 Rooms
Units	4 Units
Stories	3 Stories
Building Area	3,732 sqft Living Area
Gross Area	5,738 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,415 sqft (0.147 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	320 CHESTNUT ST
City	GARDNER
State	MA
Zip	01440-3049
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Block	13
Legal Lot Number	20
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3017
Census Tract	707500

Owner

Source: Worcester County and Gardner City records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	41 BROADWAY, AMHERST, NH 03031-1868
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance COMERAS FT
Nov 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance COMERAS FT
Dec 9, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2000 · Amount on Record
Deed Sale	Jan 7, 2000 · Amount on Record
Prior Sale	Jun 18, 1987 · Amount on Record
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	320 CHESTNUT ST, GARDNER, MA 01440-3049
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068076-70
Date	Aug 16, 2022
Book Page	68076/70
Instrument	90241

Lender

Name	COMERAS FT

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	25 Months
Due	Sep 1, 2024

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	320 CHESTNUT ST, GARDNER, MA 01440-3049
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066617-13
Date	Nov 26, 2021
Book Page	66617/13
Instrument	165692

Lender

Name	COMERAS FT

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	25 Months
Due	Dec 1, 2023

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 9, 2019
Property Address	320 CHESTNUT ST, GARDNER, MA 01440-3049
Document Number	61552-217
Book / Page	061552 / 000217
Instrument Date	Dec 6, 2019
Instrument	132731
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 SAND ST GARDNER MA 014401939, GARDNER, MA 01440-1939

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
2025	$65.00 (-98.87%)	$454,200 (+18.62%) Land $66,400 Building $387,800
2024	$5,740.00	$382,900 Land $60,400 Building $322,500

Assessed value is set for property tax purposes and is not a market price estimate.

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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