328 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 328 Chestnut St, Gardner, MA 01440

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 4,494 sqft · built 1900
Lot Size	0.151 acres (6,591 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Aug 2020)
Tax Bill	$67 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:R-22 B:0024 L:0021`

Property Details

APN / Parcel Number

Primary APN	`M:R-22 B:0024 L:0021`
Alternative APN	`GARD M:R22 B:13 L:21`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Units	3 Units
Stories	3 Stories
Building Area	4,494 sqft Living Area
Gross Area	6,592 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	6,591 sqft (0.151 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	328 CHESTNUT ST
City	GARDNER
State	MA
Zip	01440-3086
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Block	13
Legal Lot Number	21
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3017
Census Tract	707500

Owner

328 Chestnut St, a triplex, is owned by an individual who bought it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	4 MAYO RD, HUBBARDSTON, MA 01452-1223
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2017	Deed of Trust, Mortgage WELLS FARGO BANK NA
Aug 26, 2020	Quit Claim Deed, Transfer · FHA Mortgage FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2020 · Amount on File
Deed Sale	Aug 26, 2020 · Amount on File
Prior Sale	Oct 9, 1997 · Amount on File
Deed Document Number	202096322
Deed Book / Page	63106 / 226
Prior Transfer Date	Aug 25, 2020
Prior Transfer Doc	63106-226
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	328 CHESTNUT ST, GARDNER, MA 01440-3086
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57346-369
Date	Jun 30, 2017
Book Page	57346/369
Instrument	68698

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 26, 2020
Property Address	328 CHESTNUT ST, GARDNER, MA 01440-3086
Document Number	63106-226
Book / Page	63106 / 226
Instrument Date	Aug 25, 2020
Instrument	96322
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	391 PLEASANT ST APT 1, 1, GARDNER, MA 01440-2974

Mortgage

Document Number	96323
Date	Aug 26, 2020
Instrument	96323

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 328 Chestnut St was $67, down 98.8% from the year before.

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	$67.00 (-98.78%)	$471,500 (+28.65%) Land $66,500 Building $405,000
2024	$5,494.00 (+0.04%)	$366,500 (+7.64%) Land $60,500 Building $306,000
2023	$5,492.00	$340,500 Land $59,600 Building $280,900

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

Flood

FEMA maps place 328 Chestnut St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 328 Chestnut 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	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

Nearby Properties on Chestnut St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures