376 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 376 Chestnut St, Gardner, MA 01440

Property Summary

Property Type	Triplex
Details	9 bd · 6 ba · 3,265 sqft · built 1900
Lot Size	0.361 acres (15,707 sqft)
Owner	Company Name on Record
Last Sale	$730,000 (May 2026)
Tax Bill	$11,242 (2026)
Deeds & Mortgages	Jan 2023 Refinance Nov 2024 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-21 B:0030 L:0013`

Property Details

APN / Parcel Number

Primary APN	`M:R-21 B:0030 L:0013`
Alternative APN	`GARD M:R22 B:18 L:13`

Interior

Bedrooms	9 Beds
Full Baths	6 Baths
Total Rooms	15 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,265 sqft Living Area
Gross Area	5,358 sqft
Basement Area	1,189 sqft
Unfinished Basement	1,189 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	15,707 sqft (0.361 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	376 CHESTNUT ST
City	GARDNER
State	MA
Zip	01440-3002
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R1
Legal Block	18
Legal Lot Number	13
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	304 WASHINGTON ST, ARLINGTON, MA 02474-1514
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance MAIN STREET BANK (MA)
Nov 15, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance MSA LENDING LLC
May 29, 2026	Quit Claim Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 20, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MSA LENDING LLC
Sep 10, 2021	Deed, Transfer
Jul 16, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2026 · Amount on Record
Deed Sale	May 29, 2026 · Amount on Record
Prior Sale	Dec 20, 2023 · Amount on Record
Deed Document Number	202643339
Deed Book / Page	73650 / 305
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	376 CHESTNUT ST, GARDNER, MA 01440-3002
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068686-173
Date	Jan 5, 2023
Book Page	68686/173
Instrument	861

Lender

Name	MAIN STREET BANK (MA)

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	376 CHESTNUT ST, GARDNER, MA 01440-3002
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071300-358
Date	Nov 15, 2024
Book Page	71300/358
Instrument	95502

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2044

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 29, 2026
Property Address	376 CHESTNUT ST, GARDNER, MA 01440-3002
Document Number	073650-305
Book / Page	73650 / 305
Instrument Date	May 15, 2026
Instrument	202643339
Transaction Type	Transfer
Record Updated	Jun 17, 2026

Transaction

Amount	Amount Recorded
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	304 WASHINGTON ST, ARLINGTON, MA 02474-1514

Mortgage

Date	May 29, 2026

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 20, 2023
Property Address	376 CHESTNUT ST, GARDNER, MA 01440-3002
Document Number	070017-385
Book / Page	70017 / 385
Instrument Date	Dec 20, 2023
Instrument	106472
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	376 CHESTNUT ST, GARDNER, MA 01440-3002

Mortgage

Document Number	0000106473
Date	Dec 20, 2023
Instrument	106473

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 10, 2021
Property Address	376 CHESTNUT ST, GARDNER, MA 01440-3002
Document Number	066032-247
Book / Page	66032 / 247
Instrument Date	Sep 10, 2021
Instrument	127322
Transaction Type	Transfer
Record Updated	Apr 11, 2022

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	90 CHERRY ST, HUDSON, MA 01749-2977

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 16, 2021
Property Address	376 CHESTNUT ST, GARDNER, MA 01440-3002
Document Number	065630-157
Book / Page	65630 / 157
Instrument Date	Jul 6, 2021
Instrument	99296
Transaction Type	Transfer
Record Updated	Apr 11, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	368 CHESTNUT ST, GARDNER, MA 01440-3087

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	$11,242.00 (+10,406.54%)	$816,400 (+9.45%) Land $79,200 Building $737,200
2025	$107.00 (-97.85%)	$745,900 (+124.33%) Land $72,000 Building $673,900
2024	$4,984.00 (+111.19%)	$332,500 (+127.27%) Land $65,500 Building $267,000
2023	$2,360.00	$146,300 Land $64,600 Building $81,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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