82 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 82 Chestnut St, Gardner, MA 01440

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 3,121 sqft · built 1900
Lot Size	0.288 acres (12,553 sqft)
Owner	Individual Name on Record
Last Sale	$172,000 (Jun 2020)
Tax Bill	$7,092 (2026)
Deeds & Mortgages	May 2022 Refinance Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:Q-25 B:0006 L:0026`

Property Details

APN / Parcel Number

Primary APN	`M:Q-25 B:0006 L:0026`
Alternative APN	`GARD M:R27 B:22 L:26`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,121 sqft Living Area
Gross Area	4,351 sqft
Basement Area	1,072 sqft
Unfinished Basement	1,072 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	12,553 sqft (0.288 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	82 CHESTNUT ST
City	GARDNER
State	MA
Zip	01440-2285
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R1
Legal Block	22
Legal Lot Number	26
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3011
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	82 CHESTNUT ST, GARDNER, MA 01440-2285
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SEACOAST MORTGAGE CORPORATION
Jun 4, 2020	Quit Claim Deed, Transfer · FHA Mortgage SEACOAST MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2020 · Amount on Record
Deed Sale	Jun 4, 2020 · Amount on Record
Prior Sale	Dec 16, 1998 · Amount on Record
Deed Document Number	202058240
Deed Book / Page	62532 / 390
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	82 CHESTNUT ST, GARDNER, MA 01440-2285
Transaction Type	Mortgage
Record Updated	May 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00067555-1
Date	May 6, 2022
Book Page	67555/1
Instrument	50096

Lender

Name	SEACOAST MORTGAGE CORPORATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 4, 2020
Property Address	82 CHESTNUT ST, GARDNER, MA 01440-2285
Document Number	62532-390
Book / Page	62532 / 390
Instrument Date	Jun 4, 2020
Instrument	58240
Transaction Type	Transfer
Record Updated	May 12, 2021

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	82 CHESTNUT ST, GARDNER, MA 01440-2285

Mortgage

Document Number	58241
Date	Jun 4, 2020
Instrument	58241

Lender

Name	SEACOAST MORTGAGE CORPORATION

Agreement

Type	FHA 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
2026	$7,092.00 (+6.58%)	$515,000 (+11.14%) Land $77,100 Building $437,900
2025	$6,654.00 (+24.72%)	$463,400 (+30.21%) Land $70,100 Building $393,300
2024	$5,335.00 (+3.45%)	$355,900 (+11.32%) Land $63,700 Building $292,200
2023	$5,157.00	$319,700 Land $62,800 Building $256,900

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

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Gateway Fiber Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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