88 Chestnut St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 88 Chestnut St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 3,022 sqft · built 1930
Lot Size	0.148 acres (6,426 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Aug 2019)
Tax Bill	$45 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Aug 2019 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:22 L:6`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:22 L:6`
Alternative APN	`M:R-25 B:0007 L:0006`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,022 sqft Living Area
Gross Area	5,465 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Duplex Single
Exterior Material	Asbestos
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,426 sqft (0.148 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	88 CHESTNUT ST
City	GARDNER
State	MA
Zip	01440-2293
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	22
Legal Lot Number	6
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 · APN GARD M:R27 B:22 L:6

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	88 CHESTNUT ST, BALDWINVILLE, MA 01436-1470
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 20, 2019	Quit Claim Deed, Transfer · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC
May 31, 2018	Quit Claim Deed, Transfer
May 31, 2018	Quit Claim Deed, Transfer Quitclaim
Jan 25, 2018	Warranty Deed, Transfer
Jun 14, 2017	Deed in Lieu of Foreclosure, Foreclosure

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 20, 2019 · Amount on Record
Deed Sale	Aug 20, 2019 · Amount on Record
Prior Sale	May 31, 2018 · Amount on Record
Deed Document Number	201983508
Deed Book / Page	60908 / 162
Transfer Doc	58874-183
Record Updated	Jun 08, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	88 CHESTNUT ST, GARDNER, MA 01440-2293
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066746-206
Date	Dec 15, 2021
Book Page	66746/206
Instrument	174843

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 01, 2053

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 20, 2019
Property Address	88 CHESTNUT ST, GARDNER, MA 01440-2293
Document Number	60908-162
Book / Page	60908 / 162
Instrument Date	Aug 01, 2019
Instrument	83508
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	37A TERRACE DR, LEOMINSTER, MA 01453-5864

Mortgage

Document Number	83509
Date	Aug 20, 2019
Instrument	83509

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 31, 2018
Property Address	88 CHESTNUT ST, GARDNER, MA 01440-2293
Document Number	58874-187
Book / Page	058874 / 000187
Instrument Date	May 21, 2018
Instrument	52410
Transaction Type	Transfer
Record Updated	Jun 19, 2018

Transaction

Amount	Amount Recorded
Tax	$342.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	283 MATTHEWS ST GARDNER MA 014401350, GARDNER, MA 01440-1350

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 31, 2018
Property Address	88 CHESTNUT ST, GARDNER, MA 01440-2293
Document Number	58874-183
Book / Page	058874 / 000183
Instrument Date	Feb 08, 2018
Instrument	52409
Transaction Type	Transfer
Record Updated	Jun 19, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9990 RICHMOND AVE #400S HOUSTON TX 770428500, 400S, HOUSTON, TX 77042-8500

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 25, 2018
Property Address	88 CHESTNUT ST, GARDNER, MA 01440-2293
Document Number	58357-363
Book / Page	058357 / 000363
Instrument Date	Dec 07, 2017
Instrument	7786
Transaction Type	Transfer
Record Updated	Feb 13, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	500 DELAWARE AVE #11TH WILMINGTON DE 198011490, 11TH, WILMINGTON, DE 19801-1490

June 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Jun 14, 2017
Property Address	88 CHESTNUT ST, GARDNER, MA 01440-2293
Document Number	57257-297
Book / Page	057257 / 000297
Instrument Date	Sep 28, 2016
Instrument	61150
Transaction Type	Foreclosure
Record Updated	Jul 04, 2017

Transaction

Amount	Amount Recorded
Tax	$700.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9990 RICHMOND AVE #ST HOUSTON TX 770424559, ST, HOUSTON, TX 77042-4559

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value
2025	$45.00 (-98.94%)	$314,500 (+11.52%) Land $66,400 Building $248,100
2024	$4,227.00 (-0.47%)	$282,000 (+7.1%) Land $60,400 Building $221,600
2023	$4,247.00	$263,300 Land $59,500 Building $203,800

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 250277075003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 388 locations within half a mile · Last verified October 2026

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

May also be available: Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	GARDNER WATER DEPARTMENT serves 21,381 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

88 Chestnut St, Gardner, MA 01440 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

May 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

June 2017: Deed in Lieu of Foreclosure, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Chestnut St

Nearby Streets

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