345 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 345 Chestnut St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,385 sqft · built 1922
Lot Size	0.222 acres (9,653 sqft)
Owner	Individual Name on Record
Last Sale	$174,900 (Jun 2017)
Tax Bill	$4,558 (2026)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:R-22 B:0054 L:0028`

Property Details

APN / Parcel Number

Primary APN	`M:R-22 B:0054 L:0028`
Alternative APN	`GARD M:R22 B:13 L:28`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,385 sqft Living Area
Gross Area	2,336 sqft
Basement Area	680 sqft
Unfinished Basement	680 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,653 sqft (0.222 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	345 CHESTNUT ST
City	GARDNER
State	MA
Zip	01440-3001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	13
Legal Lot Number	28
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1014
Census Tract	707200

Owner

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	345 CHESTNUT ST, GARDNER, MA 01440-3001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2017 · Amount on Record
Deed Sale	Jun 20, 2017 · Amount on Record
Prior Sale	Jan 11, 1993 · Amount on Record
Deed Book / Page	57283 / 386
Transfer Doc	057283-386
Record Updated	Oct 29, 2026

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 20, 2017
Property Address	345 CHESTNUT ST, GARDNER, MA 01440-3001
Document Number	57283-386
Book / Page	57283 / 386
Instrument	63429
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.87
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 CHESTNUT ST, GARDNER, MA 01440-3001

Mortgage

Document Number	572840001
Date	Jun 20, 2017
Instrument	57284/0001

Lender

Name	VILLAGE MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2047

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	$4,558.00 (+10,259.09%)	$331,000 (+7.64%) Land $75,200 Building $255,800	$358,720 (+26.84%)
2025	$44.00 (-98.99%)	$307,500 (+6.14%) Land $68,300 Building $239,200	$282,815
2024	$4,343.00 (+1.76%)	$289,700 (+9.49%) Land $62,100 Building $227,600
2023	$4,268.00	$264,600 Land $61,200 Building $203,400

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	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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