478 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 478 Chestnut St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,294 sqft · built 1920
Lot Size	0.212 acres (9,231 sqft)
Owner	Individual Name on File
Last Sale	$50,750 (Jul 2009)
Tax Bill	$4,336 (2026)
Deeds & Mortgages	Jun 2023 Refinance May 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-20 B:0037 L:0019`

Property Details

APN / Parcel Number

Primary APN	`M:R-20 B:0037 L:0019`
Alternative APN	`GARD M:R22 B:23 L:19`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,294 sqft Living Area
Gross Area	4,238 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	9,231 sqft (0.212 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	478 CHESTNUT ST
City	GARDNER
State	MA
Zip	01440-3009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C2
Legal Block	23
Legal Lot Number	19
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3017
Census Tract	707500

Owner

478 Chestnut St is owned and occupied by an individual who acquired it in May 2023.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	478 CHESTNUT ST, GARDNER, MA 01440-3009
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU
May 15, 2023	Quit Claim Deed, Transfer Quitclaim
May 5, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2009 · Amount on File
Deed Sale	Jul 15, 2009 · Amount on File
Prior Sale	Apr 23, 2009 · Amount on File
Last Transfer Date	May 10, 2023
Transfer Doc	069130-168
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	478 CHESTNUT ST, GARDNER, MA 01440-3009
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069223-198
Date	Jun 7, 2023
Book Page	69223/198
Instrument	44077

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 15, 2023
Property Address	478 CHESTNUT ST, GARDNER, MA 01440-3009
Document Number	069130-168
Book / Page	69130 / 168
Instrument Date	May 10, 2023
Instrument	36982
Transaction Type	Transfer
Record Updated	Jan 24, 2024

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	478 CHESTNUT ST, GARDNER, MA 01440-3009

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	May 5, 2023
Property Address	478 CHESTNUT ST, GARDNER, MA 01440-3009
Document Number	0069100-41
Book / Page	69100 / 41
Instrument Date	May 4, 2023
Instrument	34633
Transaction Type	Transfer
Record Updated	Jan 24, 2024

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	478 CHESTNUT ST, WORCESTER, MA

Tax Assessment & Valuation

The 2026 property tax bill for 478 Chestnut St was $4,336, up 10,475.6% from the year before.

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	$4,336.00 (+10,475.61%)	$314,900 (+8.21%) Land $56,200 Building $258,700	$412,447 (+12.48%)
2025	$41.00 (-99.03%)	$291,000 (+2.9%) Land $51,000 Building $240,000	$366,700
2024	$4,239.00	$282,800 (+10.38%) Land $46,400 Building $236,400
2023		$256,200 Land $45,700 Building $210,500
2022	$3,701.00

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

Flood

FEMA maps place 478 Chestnut St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 478 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 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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