Worcester County and Gardner City property record for 440 Chestnut St, Gardner, MA 01440
| Property Type | Commercial Building, Warehouse, Showroom |
|---|---|
| Details | 6,000 sqft · built 1902 |
| Lot Size | 0.539 acres (23,480 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,630 (2026) |
| Deeds & Mortgages | Feb 2024 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:R-21 B:0034A L:0018 |
| Primary APN | M:R-21 B:0034A L:0018 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 6,000 sqft Total Area |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1902 |
| Exterior Material | Shingles |
| Construction Type | Frame |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 23,480 sqft (0.539 acres) |
| Heating Fuel | Wood |
|---|
| Street Address | 440 CHESTNUT ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3009 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Commercial Building, Warehouse, Showroom |
| Local Zoning Code | R1 |
| Legal Block | 18 |
| Legal Lot Number | 18 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 707500 |
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 | 209 CRESTWOOD DR, GARDNER, MA 01440-2326 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 440 CHESTNUT ST, GARDNER, MA 01440-3009 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2024 |
| Name | Verified Name |
|---|
| Document Number | 070163-376 |
|---|---|
| Date | Feb 5, 2024 |
| Book Page | 70163/376 |
| Instrument | 8628 |
| Name | CHESTNUT STREET TRUST |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,630.00 (-3.24%) | $191,000 (+0.9%) Land $82,300 Building $108,700 |
| 2025 | $2,718.00 (+1%) | $189,300 (+5.46%) Land $80,600 Building $108,700 |
| 2024 | $2,691.00 | $179,500 Land $76,800 Building $102,700 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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