Worcester County and Gardner City property record for 92 Chestnut St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,321 sqft · built 1927 |
| Lot Size | 0.143 acres (6,214 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $39 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R27 B:22 L:7 |
| Primary APN | GARD M:R27 B:22 L:7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,321 sqft Living Area |
| Gross Area | 2,649 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Architectural Style | Ranch |
| Exterior Material | Asbestos |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,214 sqft (0.143 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 92 CHESTNUT ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 22 |
| Legal Lot Number | 7 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City records · APN GARD M:R27 B:22 L:7
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 92 CHESTNUT ST, BALDWINVILLE, MA 01436-1470 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 16, 2026 |
| Property Address | 92 CHESTNUT ST, GARDNER, MA 01440-2206 |
| Document Number | 0000059873 |
| Book / Page | 73885 / 179 |
| Instrument Date | Jul 02, 2026 |
| Instrument | 202659873 |
| Transaction Type | Mortgage |
| Record Updated | Aug 05, 2026 |
| Name | Verified Name |
|---|---|
| Address | 92 CHESTNUT ST, GARDNER, MA 01440-2206 |
| Document Number | 0000059873, |
|---|---|
| Date | Jul 16, 2026 |
| Book Page | 73885/179 |
| Instrument | 202659873 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $39.00 (-98.98%) | $272,700 (+6.48%) Land $66,300 Building $206,400 | $256,120 |
| 2024 | $3,839.00 (+7.17%) | $256,100 (+15.31%) Land $60,300 Building $195,800 | |
| 2023 | $3,582.00 | $222,100 Land $59,400 Building $162,700 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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