412 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 412 Chestnut St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,382 sqft · built 1900
Lot Size	0.241 acres (10,507 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (Jun 2019)
Tax Bill	$4,463 (2026)
Deeds & Mortgages	Aug 2025 Line of Credit May 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-21 B:0034 L:0017`

Property Details

APN / Parcel Number

Primary APN	`M:R-21 B:0034 L:0017`
Alternative APN	`GARD M:R22 B:18 L:17`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,382 sqft Living Area
Gross Area	5,208 sqft
Basement Area	1,191 sqft
Unfinished Basement	1,191 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,507 sqft (0.241 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	412 CHESTNUT ST
City	GARDNER
State	MA
Zip	01440-3030
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	18
Legal Lot Number	17
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	2 Individual Names on Record
Mailing Address	412 CHESTNUT ST, GARDNER, MA 01440-3030
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
May 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC
Jun 28, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Dec 24, 2018	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2019 · Amount on Record
Deed Sale	Jun 28, 2019 · Amount on Record
Prior Sale	Dec 24, 2018 · Amount on Record
Deed Document Number	201962466
Deed Book / Page	60643 / 258
Prior Transfer Date	Jun 25, 2019
Prior Transfer Doc	60643-258
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	412 CHESTNUT ST, GARDNER, MA 01440-3030
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072444-161
Date	Aug 25, 2025
Book Page	72444/161
Instrument	71920

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	412 CHESTNUT ST, GARDNER, MA 01440-3030
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62374-319
Date	May 11, 2020
Book Page	62374/319
Instrument	47840

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 28, 2019
Property Address	412 CHESTNUT ST, GARDNER, MA 01440-3030
Document Number	60643-258
Book / Page	60643 / 258
Instrument Date	Jun 25, 2019
Instrument	62466
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
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	400 CHESTNUT ST, GARDNER, MA 01440-3030

Mortgage

Document Number	62468
Date	Jun 28, 2019
Instrument	62468

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Dec 24, 2018
Property Address	412 CHESTNUT ST, GARDNER, MA 01440-3030
Document Number	59862-353
Book / Page	059862 / 000353
Instrument Date	Dec 13, 2018
Instrument	136010
Transaction Type	Foreclosure
Record Updated	Jan 15, 2019

Transaction

Amount	Amount Recorded
Tax	$461.61
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 650043 DALLAS TX 752650043, DALLAS, TX 75265-0043
Investor	Possibly a Property Investor

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	$4,463.00 (+9.17%)	$324,100 (+13.84%) Land $75,700 Building $248,400	$374,504
2025	$4,088.00 (+3.78%)	$284,700 (+8.33%) Land $68,800 Building $215,900
2024	$3,939.00 (+1.47%)	$262,800 (+9.18%) Land $62,600 Building $200,200
2023	$3,882.00	$240,700 Land $61,700 Building $179,000

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 · 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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