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77 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 77 Chestnut St, Gardner, MA 01440 · Last verified August 2026

Property Summary

Property TypeTriplex
Details5 bd · 3 ba · 2,905 sqft · built 1890
Lot Size0.203 acres (8,851 sqft)
Owner2 Individual Names on File
Tax Bill$54 (2025)
Deeds & MortgagesDec 2022 Refinance
Jun 2023 Mortgage
+ 7 more
Flood ZoneZone X (minimal risk)
APNM:Q-25 B:0075 L:0018

Property Details

APN / Parcel Number

Primary APNM:Q-25 B:0075 L:0018
Alternative APN
  • GARD M:R27 B:22 L:18

Interior

Bedrooms5 Beds
Full Baths3 Baths
Total Rooms13 Rooms
Units3 Units
Stories2 Stories
Building Area2,905 sqft Living Area
Gross Area5,140 sqft

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1890
Architectural StyleOther
Exterior MaterialAsbestos
Roof TypeGable
Roof MaterialAsphalt
Lot Area8,851 sqft (0.203 acres)

Utilities, Heating & Cooling

Heating SystemSteam
Heating FuelGas

Location & Zoning

Street Address77 CHESTNUT ST
CityGARDNER
StateMA
Zip01440-2288
Property CategoryResidential
Property TypeResidential > Multi-Unit > Triplex
Legal Block22
Legal Lot Number18
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group2
Census Block2007
Census Tract707200

Owner

Source: Worcester County and Gardner City records · APN M:Q-25 B:0075 L:0018

Assessment roll updated April 14, 2026 · Last verified August 2026

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

Owner of Record2 Individual Names on File
Mailing Address77 CHESTNUT ST, GARDNER, MA 01440-2288
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Dec 01, 2022Deed of Trust, Mortgage · Stand-Alone Refinance
TD BANK NA
Jun 14, 2023Deed of Trust, Mortgage · Second Mortgage (Down Payment)
TD BANK NA
Feb 16, 2024Quit Claim Deed, Transfer
Quitclaim
Dec 28, 2023Quit Claim Deed, Transfer
Quitclaim
Dec 28, 2023Quit Claim Deed, Transfer
Quitclaim
Sep 20, 2022Quit Claim Deed, Transfer
Quitclaim
Sep 28, 2018Quit Claim Deed, Transfer
Quitclaim
Aug 07, 2018Quit Claim Deed, Transfer
LOANDEPOT COM
Oct 04, 2017Quit Claim Deed, Transfer
THOMAS MELANSON

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 07, 2018
Deed SaleAug 07, 2018
Prior SaleOct 04, 2017 · Amount on Record
Deed Book / Page59225 / 49
Last Transfer DateJun 18, 2024
Transfer Doc070718-278
Record UpdatedSep 20, 2026

December 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Property Address77 CHESTNUT ST, GARDNER, MA 01440-2288
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0068551-74
DateDec 01, 2022
Book Page68551/74
Instrument127581
Lender
NameTD BANK NA
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueJan 01, 2053

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Property Address77 CHESTNUT ST, GARDNER, MA 01440-2288
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0069251-69
DateJun 14, 2023
Book Page69251/69
Instrument46226
Lender
NameTD BANK NA
TypeBank
Agreement
TypeSecond Mortgage (Down Payment)
AmountAmount Recorded
Term361 Months
DueJul 01, 2053

February 2024: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateFeb 16, 2024
Property Address77 CHESTNUT ST, GARDNER, MA 01440-2288
Document Number070204-253
Book / Page70204 / 253
Instrument DateFeb 16, 2024
Instrument12099
Transaction TypeTransfer
Record UpdatedMar 01, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address77 CHESTNUT ST, GARDNER, MA 01440-2288
InvestorPossibly a Property Investor

December 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateDec 28, 2023
Property Address77 CHESTNUT ST, GARDNER, MA 01440-2288
Document Number070047-129
Book / Page70047 / 129
Instrument DateDec 28, 2023
Instrument108705
Transaction TypeTransfer
Record UpdatedJan 12, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address77 CHESTNUT ST, GARDNER, MA 01440-2288

December 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateDec 28, 2023
Property Address77 CHESTNUT ST, GARDNER, MA 01440-2288
Document Number070047-132
Book / Page70047 / 132
Instrument DateDec 28, 2023
Instrument108706
Transaction TypeTransfer
Record UpdatedJan 12, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address77 CHESTNUT ST, GARDNER, MA 01440-2288
InvestorPossibly a Property Investor

September 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateSep 20, 2022
Property Address77 CHESTNUT ST, GARDNER, MA 01440-2288
Document Number068240-335
Book / Page68240 / 335
Instrument DateSep 20, 2022
Instrument103309
Transaction TypeTransfer
Record UpdatedNov 15, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address77 CHESTNUT ST, GARDNER, MA 01440-2288
InvestorPossibly a Property Investor

September 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateSep 28, 2018
Property Address77 CHESTNUT ST, GARDNER, MA 01440-2288
Document Number59477-216
Book / Page059477 / 000216
Instrument DateSep 28, 2018
Instrument103312
Transaction TypeTransfer
Record UpdatedJan 16, 2019

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address46 GREENWOOD ST GARDNER MA 014404002, GARDNER, MA 01440-4002
InvestorPossibly a Property Investor

August 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateAug 07, 2018
Property Address77 CHESTNUT ST, GARDNER, MA 01440-2288
Document Number59225-49
Book / Page059225 / 000049
Instrument DateAug 07, 2018
Instrument82226
Transaction TypeTransfer
Record UpdatedAug 28, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address46 GREENWOOD ST GARDNER MA 014404002, GARDNER, MA 01440-4002

Mortgage

Document Number59225-52
DateAug 07, 2018
Book Page059225/000052
Instrument82227
Lender
NameLOANDEPOT COM
Agreement
AmountAmount Recorded
Term360 Months
DueAug 06, 2048

October 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateOct 04, 2017
Property Address77 CHESTNUT ST, GARDNER, MA 01440-2288
Document Number57842-74
Book / Page057842 / 000074
Instrument DateSep 30, 2017
Instrument446
Transaction TypeTransfer
Record UpdatedOct 24, 2017

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$296.00
Amount AccuracyConfirmed
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address76 OSGOOD ST GARDNER MA 014403822, GARDNER, MA 01440-3822

Mortgage

Document Number57842-79
DateOct 04, 2017
Book Page057842/000079
Instrument447
Lender
NameTHOMAS MELANSON
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2025$54.00 (-98.76%)$376,700 (+29.9%) Land $67,800 Building $308,900
2024$4,347.00 (+3.18%)$290,000 (+11.03%) Land $61,700 Building $228,300
2023$4,213.00$261,200 Land $60,800 Building $200,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277072002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 1 individual NFIP policies nearby
Nearby Flood Policies1 in force
1 of 1 on primary residences

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

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