356 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 356 Chestnut St, Gardner, MA 01440

Property Summary

Property Type	Triplex
Details	9 bd · 3 ba · 3,614 sqft · built 1900
Lot Size	0.337 acres (14,686 sqft)
Owner	Company Name on Record
Last Sale	$160,000 (Jan 2021)
Tax Bill	$7,025 (2026)
Deeds & Mortgages	Mar 2022 Refinance Mar 2022 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-22 B:0028 L:0025`

Property Details

APN / Parcel Number

Primary APN	`M:R-22 B:0028 L:0025`
Alternative APN	`GARD M:R22 B:13 L:25`

Interior

Bedrooms	9 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,614 sqft Living Area
Gross Area	6,250 sqft
Basement Area	1,305 sqft
Unfinished Basement	1,305 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	14,686 sqft (0.337 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	356 CHESTNUT ST
City	GARDNER
State	MA
Zip	01440-3051
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R1
Legal Block	13
Legal Lot Number	25
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 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	Company Name on Record
Mailing Address	21 MAIN ST, AYER, MA 01432-1325
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MAIN STREET BANK (MA)
Mar 28, 2022	Quit Claim Deed, Transfer Quitclaim
Mar 22, 2022	Quit Claim Deed, Transfer Quitclaim
Jan 28, 2021	Quit Claim Deed, Transfer
Oct 26, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 31, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FINANCE AMERICA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2021 · Amount on Record
Deed Sale	Jan 28, 2021 · Amount on Record
Prior Sale	Aug 31, 2020 · Amount on Record
Last Transfer Date	Mar 25, 2022
Transfer Doc	067337-149
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	356 CHESTNUT ST, GARDNER, MA 01440-3051
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067327-184
Date	Mar 25, 2022
Book Page	67327/184
Instrument	33404

Lender

Name	MAIN STREET BANK (MA)

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 28, 2022
Property Address	356 CHESTNUT ST, GARDNER, MA 01440-3051
Document Number	067337-149
Book / Page	67337 / 149
Instrument Date	Mar 25, 2022
Instrument	34127
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 MAIN ST, AYER, MA 01432-1325

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 22, 2022
Property Address	356 CHESTNUT ST, GARDNER, MA 01440-3051
Document Number	067305-157
Book / Page	67305 / 157
Instrument Date	Mar 21, 2022
Instrument	31699
Transaction Type	Transfer
Record Updated	Apr 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	161 BARKER HILL RD, TOWNSEND, MA 01469-1024

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 28, 2021
Property Address	356 CHESTNUT ST, GARDNER, MA 01440-3051
Document Number	64343-341
Book / Page	64343 / 341
Instrument Date	Jan 28, 2021
Instrument	13465
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	21 MAIN ST, AYER, MA 01432-1325

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 26, 2020
Property Address	356 CHESTNUT ST, GARDNER, MA 01440-3051
Document Number	63583-45
Book / Page	063583 / 000045
Instrument Date	Oct 19, 2020
Instrument	128003
Transaction Type	Transfer
Record Updated	Nov 17, 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
Relationship	Company
Address	67 MERRIAM AVE LEOMINSTER MA 014533152, LEOMINSTER, MA 01453-3152

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 31, 2020
Property Address	356 CHESTNUT ST, GARDNER, MA 01440-3051
Document Number	63148-92
Book / Page	63148 / 92
Instrument Date	Jul 21, 2020
Instrument	98990
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	67 MERRIAM AVE, LEOMINSTER, MA 01453-3152

Mortgage

Document Number	98991
Date	Aug 31, 2020
Instrument	98991

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2026	$7,025.00 (+10,385.07%)	$510,200 (+8.44%) Land $78,500 Building $431,700
2025	$67.00 (-98.78%)	$470,500 (+28.38%) Land $71,400 Building $399,100
2024	$5,494.00 (+1.67%)	$366,500 (+9.4%) Land $64,900 Building $301,600
2023	$5,404.00	$335,000 Land $64,000 Building $271,000

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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