7 Chatham St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 7 Chatham St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,329 sqft · built 1952
Lot Size	0.184 acres (8,000 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Oct 2022)
Tax Bill	$48 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:V-10 B:0015 L:0033`

Property Details

APN / Parcel Number

Primary APN	`M:V-10 B:0015 L:0033`
Alternative APN	`GARD M:W12 B:17 L:33`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,329 sqft Living Area
Gross Area	2,710 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,000 sqft (0.184 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	7 CHATHAM ST
City	GARDNER
State	MA
Zip	01440-3605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	17
Legal Lot Number	33
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2048
Census Tract	707100

Owner

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	7 CHATHAM ST, GARDNER, MA 01440-3605
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENTERPRISE BANK & TRUST CO
Aug 4, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE AFFINITY LLC
Jul 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 7, 2022 · Amount on Record
Deed Sale	Oct 7, 2022 · Amount on Record
Prior Sale	Aug 4, 2020 · Amount on Record
Deed Book / Page	68326 / 155
Record Updated	Jun 8, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 7, 2022
Property Address	7 CHATHAM ST, GARDNER, MA 01440-3605
Document Number	068326-155
Book / Page	68326 / 155
Instrument Date	Oct 7, 2022
Instrument	109885
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Tenants by the Entirety
Address	7 CHATHAM ST, GARDNER, MA 01440-3605

Mortgage

Document Number	0000109886
Date	Oct 7, 2022
Instrument	109886

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 4, 2020
Property Address	7 CHATHAM ST, GARDNER, MA 01440-3605
Document Number	62948-236
Book / Page	62948 / 236
Instrument Date	Aug 1, 2020
Instrument	85702
Transaction Type	Transfer
Record Updated	May 12, 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	7 CHATHAM ST, GARDNER, MA 01440-3605

Mortgage

Document Number	85703
Date	Aug 4, 2020
Instrument	85703

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	7 CHATHAM ST, GARDNER, MA 01440-3605
Document Number	57466-358
Book / Page	057466 / 000358
Instrument Date	Jul 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57466-358
Date	Jul 25, 2017
Book Page	057466/000358
Instrument	79017

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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
2025	$48.00 (-99.03%)	$337,500 (+1.87%) Land $67,300 Building $270,200	$359,670
2024	$4,966.00 (+8.14%)	$331,300 (+16.37%) Land $61,200 Building $270,100
2023	$4,592.00	$284,700 Land $60,300 Building $224,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 90 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

Nearby Properties on Chatham St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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