79 Chapel St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 79 Chapel St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,097 sqft · built 1976
Lot Size	0.917 acres (39,927 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Aug 2025)
Tax Bill	$4,964 (2026)
Deeds & Mortgages	Aug 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:W27 B:9 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:W27 B:9 L:2`
Alternative APN	`M:Y-29 B:0021C L:0002`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,097 sqft Living Area
Gross Area	2,380 sqft
Basement Area	782 sqft
Unfinished Basement	782 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,927 sqft (0.917 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	79 CHAPEL ST
City	GARDNER
State	MA
Zip	01440-1703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	9
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	2
Census Block	2007
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	2 Individual Names on Record
Mailing Address	79 CHAPEL ST, GARDNER, MA 01440-1703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2025 · Amount on Record
Deed Sale	Aug 21, 2025 · Amount on Record
Prior Sale	Nov 27, 1991 · Amount on Record
Deed Document Number	202570888
Deed Book / Page	72429 / 60
Record Updated	Oct 29, 2026

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 21, 2025
Property Address	79 CHAPEL ST, GARDNER, MA 01440-1703
Document Number	0072429-60
Book / Page	72429 / 60
Instrument Date	Aug 21, 2025
Instrument	70888
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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
Relationship	Joint Tenants with Right of Survivorship
Address	79 CHAPEL ST, GARDNER, MA 01440-1703

Mortgage

Document Number	0000070889
Date	Aug 21, 2025
Instrument	70889

Lender

Name	FIRST COMMUNITY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

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	$4,964.00 (+2.9%)	$360,500 (+7.32%) Land $92,800 Building $267,700	$380,845 (-7.27%)
2025	$4,824.00 (+4.28%)	$335,900 (+8.85%) Land $84,400 Building $251,500	$410,685
2024	$4,626.00 (+1.96%)	$308,600 (+9.7%) Land $76,800 Building $231,800
2023	$4,537.00	$281,300 Land $75,600 Building $205,700

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.

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 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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