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389 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 389 Chestnut St, Gardner, MA 01440

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,001 sqft · built 1900
Lot Size0.063 acres (2,750 sqft)
OwnerIndividual Name on File
Last Sale$190,000 (Feb 2021)
Tax Bill$3,572 (2026)
Deeds & MortgagesFeb 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNM:R-21 B:0050 L:0010

Property Details

APN / Parcel Number

Primary APNM:R-21 B:0050 L:0010
Alternative APN
  • GARD M:R22 B:18 L:10

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,001 sqft Living Area
Gross Area2,286 sqft
Basement Area690 sqft
Unfinished Basement690 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area2,750 sqft (0.063 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Street Address389 CHESTNUT ST
CityGARDNER
StateMA
Zip01440-3001
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeC2
Legal Block18
Legal Lot Number10
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group1
Census Block1014
Census Tract707200

Owner

389 Chestnut St is owned and occupied by an individual who bought it in February 2021.

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 RecordIndividual Name on File
Mailing Address389 CHESTNUT ST, GARDNER, MA 01440-3001
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 23, 2021 · Amount on File
Deed SaleFeb 23, 2021 · Amount on File
Prior SaleAug 1, 2012 · Amount on File
Deed Book / Page64526 / 260
Record UpdatedOct 29, 2026

February 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateFeb 23, 2021
Property Address389 CHESTNUT ST, GARDNER, MA 01440-3001
Document Number64526-260
Book / Page64526 / 260
Instrument DateFeb 23, 2021
Instrument25351
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address389 CHESTNUT ST, GARDNER, MA 01440-3001

Mortgage

Document Number25352
DateFeb 23, 2021
Instrument25352
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 389 Chestnut St was $3,572, up 10,405.9% from the year before.

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

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,572.00 (+10,405.88%)$259,400 (+8.26%) Land $64,900 Building $194,500$293,039 (+17.78%)
2025$34.00 (-98.97%)$239,600 (+8.27%) Land $59,000 Building $180,600$248,805
2024$3,317.00 (+3.66%)$221,300 (+11.54%) Land $53,700 Building $167,600
2023$3,200.00$198,400 Land $52,900 Building $145,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 389 Chestnut St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 389 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 RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemGARDNER WATER DEPARTMENT
serves 21,381 people · EPA ID MA2103000
Water SourceSurface water
Last State InspectionOct 2024
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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

Nearby Properties on Chestnut St

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