39 Chapel St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 39 Chapel St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,726 sqft · built 1940
Lot Size	0.616 acres (26,845 sqft)
Owner	2 Trust Names on Record
Tax Bill	$4,722 (2026)
Deeds & Mortgages	Dec 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W27 B:4 L:5`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W27 B:4 L:5`
Alternative APN	`M:X-29 B:0024 L:0004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,726 sqft Living Area
Gross Area	3,617 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,845 sqft (0.616 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	39 CHAPEL ST
City	GARDNER
State	MA
Zip	01440-1703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	CHAPEL STREET GARDNER
Legal Block	4
Legal Lot Number	5
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2007
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	2 Trust Names on Record
Mailing Address	39 CHAPEL ST, GARDNER, MA 01440-1703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 31, 2025
Transfer Doc	073039-302
Record Updated	Oct 29, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 31, 2025
Property Address	39 CHAPEL ST, GARDNER, MA 01440-1703
Document Number	073039-302
Book / Page	73039 / 302
Instrument Date	Oct 31, 2025
Instrument	114357
Transaction Type	Transfer
Record Updated	Jan 21, 2026

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	39 CHAPEL ST, GARDNER, MA 01440-1703

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	$4,722.00 (+9,946.81%)	$342,900 (+4.16%) Land $86,300 Building $256,600	$380,959 (-27.22%)
2025	$47.00 (-99.02%)	$329,200 (+2.46%) Land $78,400 Building $250,800	$523,450
2024	$4,816.00 (+7.48%)	$321,300 (+15.66%) Land $71,300 Building $250,000
2023	$4,481.00	$277,800 Land $70,300 Building $207,500

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.

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 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

Nearby Properties on Chapel St

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