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Single Family ResidenceResidential
$385,812$351 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $168,000 on Apr 19, 2016

109 CHAPEL ST

GARDNER, MA 01440
3
Beds
1
Baths
1,099 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.68 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$386K
$369K low$403K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$168,000 · Apr 19, 2016

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,770 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$332,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$80,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$252,100
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$332,200

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.38
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
7
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
89
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
42
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Raised Ranch
CountyWorcester
Lot (acres)The size of the land the home sits on, from county records.0.68
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water

Transaction History(8)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Gardner Elementary SchoolD-
Elementary · Grades PK–4 · 0.6 mi
M
Gardner Middle SchoolD-
Middle · Grades 5–7 · 0.9 mi
H
Gardner High SchoolC-
High · Grades 8–12 · 1.0 mi

District: Gardner School District

Neighborhood · ZIP 01440These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.123
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.66

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.21,657
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.854 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$62,433
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,787
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Chapel St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 75% of homes in Worcester County
  • Costs more per square foot than 87% of homes in Gardner 01440
  • Smaller than 85% of homes in Worcester County
  • Has a bigger lot than 81% of homes in Gardner 01440
  • Newer than 73% of homes in Gardner 01440

What homes are worth in Gardner 01440

Each bar is how many homes fall in that price range. The marker is this home.

This home
$157K$631K

This home is worth more than 56% of homes in Gardner 01440.

How it measures up in Gardner 01440

The dot is this home. The mark in the middle is the typical home in Gardner 01440.

Estimated value$385,812
CheaperTypical $372,608Pricier

Pricier than 56% of homes nearby

Price per ft²$351
CheaperTypical $267Pricier

Pricier than 87% of homes nearby

Living area1,099 ft²
SmallerTypical 1,487 ft²Bigger

Bigger than 24% of homes nearby

Lot size0.68 ac
SmallerTypical 0.29 acBigger

Bigger than 81% of homes nearby

Year built1977
OlderTypical 1950Newer

Newer than 73% of homes nearby

How 109 Chapel St ranks against every home in each area.
MeasureThis homeGardner 01440Worcester County
Estimated valuepricier than$385,81256% of homes25% of homes
Price per ft²pricier than$35187% of homes73% of homes
Living areabigger than1,099 ft²24% of homes15% of homes
Lot sizebigger than0.68 ac81% of homes59% of homes
Year builtnewer than197773% of homes58% of homes

About 109 Chapel St

How much is 109 Chapel St, Gardner, MA worth?

The TopHap Estimate for 109 Chapel St, Gardner, MA is $385,812 as of Sep 24, 2026. The likely range is $368,955 to $402,669. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Chapel St, Gardner, MA last sell?

109 Chapel St, Gardner, MA last sold on Apr 19, 2016 for $168,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 109 Chapel St, Gardner, MA?

109 Chapel St, Gardner, MA has 3 bedrooms, 1 bathrooms, 1,099 square feet of living space and a 0.68-acre lot.

When was 109 Chapel St, Gardner, MA built?

109 Chapel St, Gardner, MA was built in 1977, making it 49 years old. It is a raised ranch home. The building has 1 story.

What schools serve 109 Chapel St, Gardner, MA?

109 Chapel St, Gardner, MA is assigned to Gardner Elementary School (elementary), rated D-; Gardner Middle School (middle), rated D-; Gardner High School (high), rated C-. All sit in Gardner School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Chapel St, Gardner, MA compare to other homes in Gardner 01440?

Among the 5,706 homes in Gardner 01440, it is worth more than 56% of them ($385,812 against a typical $372,608), its price per square foot is higher than 87% of them ($351 against a typical $267), it is bigger than 24% of them (1,099 ft² against a typical 1,487 ft²), its lot is bigger than 81% of them (0.68 ac against a typical 0.29 ac) and it is newer than 73% of them (1977 against a typical 1950). Measured against all of Worcester County, it is worth more than 25% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Chapel St, Gardner, MA?

The 2025 property tax bill for 109 Chapel St, Gardner, MA was $4,770. The county assessed it at $332,200.

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