445 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 445 Chestnut St, Gardner, MA 01440

Property Summary

Property Type	Auto Repair, Garage
Details	2.5 ba · 2,880 sqft · built 1900
Lot Size	0.097 acres (4,220 sqft)
Owner	Company Name on Record
Tax Bill	$3,493 (2026)
Deeds & Mortgages	Jul 2017 Mortgage Oct 2018 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:18 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:18 L:2`
Alternative APN	`M:R-21 B:0045 L:0002`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,880 sqft Total Area
Gross Area	4,818 sqft
Basement Area	500 sqft
Unfinished Basement	500 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,220 sqft (0.097 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	445 CHESTNUT ST
City	GARDNER
State	MA
Zip	01440-3008
Property Category	Commercial
Property Type	Commercial > Retail > Auto Repair, Garage
Local Zoning Code	I1
Legal Block	18
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1014
Census Tract	707200

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	Company Name on Record
Mailing Address	445 CHESTNUT ST, GARDNER, MA 01440-3008
Owner Type	Company
Vesting	Government

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIDELITY COOPERATIVE BANK
Oct 24, 2018	Quit Claim Deed, Transfer Quitclaim
Sep 6, 2017	Deed of Trust, Mortgage · Line of Credit WORKERS CU
Jun 26, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2018
Deed Sale	Oct 24, 2018
Prior Sale	Jun 26, 2017
Deed Document Number	2018112724
Deed Book / Page	59587 / 140
Transfer Doc	55999-43
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	445 CHESTNUT ST, GARDNER, MA 01440-3008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57373-17
Date	Jul 5, 2017
Book Page	57373/17
Instrument	70769

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 24, 2018
Property Address	445 CHESTNUT ST, GARDNER, MA 01440-3008
Document Number	59587-140
Book / Page	059587 / 000140
Instrument Date	Oct 23, 2018
Instrument	112724
Transaction Type	Transfer
Record Updated	Nov 21, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	445 CHESTNUT ST GARDNER MA 014403008, GARDNER, MA 01440-3008

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	445 CHESTNUT ST, GARDNER, MA 01440-3008
Document Number	57714-62
Book / Page	057714 / 000062
Instrument Date	Sep 6, 2017
Transaction Type	Mortgage
Record Updated	Oct 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	57714-62
Date	Sep 11, 2017
Book Page	057714/000062
Instrument	99696

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 10, 2027

Interest

Rate Type	Adjustable Rate

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 26, 2017
Property Address	445 CHESTNUT ST, GARDNER, MA 01440-3008
Document Number	57312-280
Book / Page	057312 / 000280
Instrument Date	Jun 19, 2017
Instrument	65857
Transaction Type	Transfer
Record Updated	Jul 18, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	445 CHESTNUT ST GARDNER MA 014403008, GARDNER, MA 01440-3008

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
2026	$3,493.00 (+9,88%)	$253,700 (+4.02%) Land $47,900 Building $205,800
2025	$35.00 (-99.1%)	$243,900 (-5.98%) Land $47,000 Building $196,900
2024	$3,888.00	$259,400 Land $52,700 Building $206,700

Assessed value is set for property tax purposes and is not a market price estimate.

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	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

Nearby Properties on Chestnut St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures