73 Chapman Park, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 73 Chapman Park, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,460 sqft · built 1963
Lot Size	0.281 acres (12,245 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Sep 2018)
Tax Bill	$5,142 (2026)
Deeds & Mortgages	Jan 2025 Refinance Aug 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W22 B:16 L:3`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W22 B:16 L:3`
Alternative APN	`M:U-21 B:0023 L:0003`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,460 sqft Living Area
Gross Area	2,552 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,245 sqft (0.281 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	73 CHAPMAN PARK
City	GARDNER
State	MA
Zip	01440-2455
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	16
Legal Lot Number	3
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3001
Census Tract	707500

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	73 CHAPMAN PARK, GARDNER, MA 01440-2455
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance ALIGN CREDIT UNION
Aug 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Aug 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Apr 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL ONE FEDERAL CREDIT UNION
Sep 28, 2018	Quit Claim Deed, Transfer SANTANDER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2018 · Amount on Record
Deed Sale	Sep 28, 2018 · Amount on Record
Prior Sale	Dec 14, 2007 · Amount on Record
Deed Book / Page	59484 / 383
Transfer Doc	059484-383
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	73 CHAPMAN PARK, GARDNER, MA 01440-2455
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071498-33
Date	Jan 6, 2025
Book Page	71498/33
Instrument	202500000848

Lender

Name	ALIGN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2045

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	73 CHAPMAN PARK, GARDNER, MA 01440-2455
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00065862-1
Date	Aug 18, 2021
Book Page	65862/1
Instrument	115841

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	73 CHAPMAN PARK, GARDNER, MA 01440-2455
Transaction Type	Mortgage
Record Updated	Sep 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65862-1
Date	Aug 18, 2021
Book Page	65862/1
Instrument	115841

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	73 CHAPMAN PARK, GARDNER, MA 01440-2455
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62171-119
Date	Apr 7, 2020
Book Page	62171/119
Instrument	35211

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2040

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 28, 2018
Property Address	73 CHAPMAN PARK, GARDNER, MA 01440-2455
Document Number	59484-383
Book / Page	59484 / 383
Instrument	103866
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35.09
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	594840385
Date	Sep 28, 2018
Instrument	59484/0385

Lender

Name	SANTANDER BANK NA

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2048

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	$5,142.00 (+10,612.5%)	$373,400 (+11.6%) Land $84,600 Building $288,800	$409,073 (+13.26%)
2025	$48.00 (-99.02%)	$334,600 (+2.67%) Land $76,900 Building $257,700	$361,190
2024	$4,885.00 (+6.71%)	$325,900 (+14.83%) Land $69,900 Building $256,000
2023	$4,578.00	$283,800 Land $68,900 Building $214,900

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
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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 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 215 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Gateway Fiber, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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