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Single Family ResidenceResidential
$360,795$306 / 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 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

20 CHATHAM ST

GARDNER, MA 01440
3
Beds
1
Baths
1,178 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.
0.33 ac
Lot SizeThe size of the land the home sits on, from county records.
1931
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$361K
$328K low$394K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,429 (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.$308,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$71,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$237,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$296,300

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.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
12
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
52
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
91
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.Cape Cod
CountyWorcester
Lot (acres)The size of the land the home sits on, from county records.0.33
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(9)

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.

H
Gardner High SchoolC-
High · Grades 8–12 · 2.4 mi
E
Gardner Elementary SchoolD-
Elementary · Grades PK–4 · 2.5 mi
M
Gardner Middle SchoolD-
Middle · Grades 5–7 · 2.6 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

20 Chatham 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 81% of homes in Worcester County
  • Costs more per square foot than 71% of homes in Gardner 01440
  • Smaller than 80% of homes in Worcester County
  • Older than 76% of homes in Worcester County

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
$147K$645K

This home is worth more than 40% 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$360,795
CheaperTypical $378,206Pricier

Pricier than 40% of homes nearby

Price per ft²$306
CheaperTypical $267Pricier

Pricier than 71% of homes nearby

Living area1,178 ft²
SmallerTypical 1,488 ft²Bigger

Bigger than 29% of homes nearby

Lot size0.33 ac
SmallerTypical 0.29 acBigger

Bigger than 56% of homes nearby

Year built1931
OlderTypical 1950Newer

Newer than 43% of homes nearby

How 20 Chatham St ranks against every home in each area.
MeasureThis homeGardner 01440Worcester County
Estimated valuepricier than$360,79540% of homes19% of homes
Price per ft²pricier than$30671% of homes50% of homes
Living areabigger than1,178 ft²29% of homes20% of homes
Lot sizebigger than0.33 ac56% of homes37% of homes
Year builtnewer than193143% of homes24% of homes

About 20 Chatham St

How much is 20 Chatham St, Gardner, MA worth?

The TopHap Estimate for 20 Chatham St, Gardner, MA is $360,795 as of Aug 30, 2026. The likely range is $327,592 to $393,998. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 20 Chatham St, Gardner, MA?

20 Chatham St, Gardner, MA has 3 bedrooms, 1 bathrooms, 1,178 square feet of living space and a 0.33-acre lot.

When was 20 Chatham St, Gardner, MA built?

20 Chatham St, Gardner, MA was built in 1931, making it 95 years old. It is a cape cod home. The building has 1 story.

What schools serve 20 Chatham St, Gardner, MA?

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

How does 20 Chatham St, Gardner, MA compare to other homes in Gardner 01440?

Among the 5,706 homes in Gardner 01440, it is worth more than 40% of them ($360,795 against a typical $378,206), its price per square foot is higher than 71% of them ($306 against a typical $267), it is bigger than 29% of them (1,178 ft² against a typical 1,488 ft²), its lot is bigger than 56% of them (0.33 ac against a typical 0.29 ac) and it is newer than 43% of them (1931 against a typical 1950). Measured against all of Worcester County, it is worth more than 19% 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 20 Chatham St, Gardner, MA?

The 2025 property tax bill for 20 Chatham St, Gardner, MA was $4,429. The county assessed it at $308,400.

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