38 Chapel St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 38 Chapel St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,369 sqft · built 2017
Lot Size	3.91 acres (170,642 sqft)
Owner	Individual Name on Record
Last Sale	$449,900 (Aug 2019)
Tax Bill	$9,022 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Nov 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`201702`

Property Details

APN / Parcel Number

Primary APN	`201702`
Alternative APN	`GARD M:W32 B:24 L:18`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,369 sqft Living Area
Gross Area	4,542 sqft
Basement Area	875 sqft
Unfinished Basement	875 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	170,642 sqft (3.91 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	201702
Street Address	38 CHAPEL ST
City	GARDNER
State	MA
Zip	01440-1702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	18
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2003
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	Individual Name on Record
Mailing Address	38 CHAPEL ST, GARDNER, MA 01440-1702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) TD BANK NA
Nov 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC
Aug 16, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 1, 2017	Deed of Trust, Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2019 · Amount on Record
Deed Sale	Aug 16, 2019 · Amount on Record
Prior Sale	Dec 23, 2016 · Amount on Record
Deed Document Number	201982052
Deed Book / Page	60889 / 367
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	38 CHAPEL ST, GARDNER, MA 01440-1702
Transaction Type	Mortgage
Record Updated	Mar 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070282-266
Date	Mar 14, 2024
Book Page	70282/266
Instrument	18284

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	38 CHAPEL ST, GARDNER, MA 01440-1702
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66548-254
Date	Nov 17, 2021
Book Page	66548/254
Instrument	161118

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 16, 2019
Property Address	38 CHAPEL ST, GARDNER, MA 01440-1702
Document Number	60889-367
Book / Page	60889 / 367
Instrument Date	Aug 16, 2019
Instrument	82052
Transaction Type	Transfer
Record Updated	May 12, 2021

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	38 CHAPEL ST, GARDNER, MA 01440-1702

Mortgage

Document Number	82053
Date	Aug 16, 2019
Instrument	82053

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	38 CHAPEL ST, GARDNER, MA 01440-1702
Document Number	56691-73
Instrument Date	Feb 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56691-73
Date	Feb 1, 2017
Book Page	056691/000073
Instrument	11737

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 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	$9,022.00 (+9,814.29%)	$655,200 (+3.28%) Land $108,700 Building $546,500	$581,689 (-7.87%)
2025	$91.00 (-98.96%)	$634,400 (+9.1%) Land $99,700 Building $534,700	$631,370
2024	$8,717.00 (+1.25%)	$581,500 (+8.96%) Land $91,900 Building $489,600
2023	$8,609.00	$533,700 Land $88,200 Building $445,500

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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