48 Chapel St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 48 Chapel St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,532 sqft · built 1766
Lot Size	25.7 acres (1,119,492 sqft)
Owner	Individual Name on Record
Last Sale	$287,000 (Dec 2022)
Tax Bill	$5,694 (2026)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jul 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W27 B:4 L:4`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W27 B:4 L:4`
Alternative APN	`M:Y-29 B:0002 L:0004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,532 sqft Living Area
Gross Area	4,160 sqft
Basement Area	970 sqft
Unfinished Basement	970 sqft

Exterior

Year Built	Built 1766
Effective Year Built	Effective 1766
Architectural Style	Historical
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	1,119,492 sqft (25.7 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	48 CHAPEL ST
City	GARDNER
State	MA
Zip	01440-1702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	4
Legal Lot Number	4
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2003
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	Individual Name on Record
Mailing Address	48 CHAPEL ST, GARDNER, MA 01440-1702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EASTHAMPTON SAVINGS BANK
Jul 8, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2022 · Amount on Record
Deed Sale	Dec 22, 2022 · Amount on Record
Prior Sale	Oct 26, 2004 · Amount on Record
Deed Book / Page	68641 / 319
Record Updated	Oct 29, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 22, 2022
Property Address	48 CHAPEL ST, GARDNER, MA 01440-1702
Document Number	068641-319
Book / Page	68641 / 319
Instrument Date	Dec 22, 2022
Instrument	134846
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	48 CHAPEL ST, GARDNER, MA 01440-1702

Mortgage

Document Number	0000134847
Date	Dec 22, 2022
Instrument	134847

Lender

Name	EASTHAMPTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 8, 2020
Property Address	48 CHAPEL ST, GARDNER, MA 01440-1702
Document Number	62751-353
Book / Page	062751 / 000353
Instrument Date	Feb 20, 2020
Instrument	72942
Transaction Type	Transfer
Record Updated	Jul 28, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 GOODMANS HILL RD SUDBURY MA 017762462, SUDBURY, MA 01776-2462

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	$5,694.00 (+9,234.43%)	$413,500 (-2.93%) Land $93,000 Building $320,500	$481,753 (+17.22%)
2025	$61.00 (-98.94%)	$426,000 (+11.2%) Land $111,800 Building $314,200	$410,970
2024	$5,743.00 (+17.78%)	$383,100 (+26.73%) Land $104,200 Building $278,900
2023	$4,876.00	$302,300 Land $97,600 Building $204,700

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.

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

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